Hi everyone!
My husband and I are planning to start trying for a baby, and I’m already trying to figure out how insurance will work when the baby is born. It is a very confusing process as a non citizen coming from a country with universal healthcare so I am trying to really understand everything before trying.
I have BCBS through my employer, and my husband has Kaiser KP Select through his. Ideally, we’d like to add our baby to my insurance because it’s cheaper and offers better coverage.
HOWEVER, from what I’ve read, Colorado requires newborns to be automatically covered under their parents’ insurance for the first 30/31 days after birth, even if they haven’t been formally enrolled yet.
There’s also the birthday rule, which generally means that if a child is covered under both parents’ plans, the insurance of the parent whose birthday comes first in the calendar year is primary.
In our case, that would be my husband’s Kaiser insurance.
Here’s where I’m confused.
I’ve called both BCBS and Kaiser, and representatives from BOTH companies told me that the baby’s primary insurance would automatically be mine because I’m the mother giving birth.
When I mentioned the birthday rule and the automatic newborn coverage period, they insisted that it wasn’t true??
I asked both companies if they could provide that information in writing, but neither could.
I’m honestly surprised because what they’re telling me seems to contradict what I’ve read in the insurance documents.
My biggest concern is the hospital. There’s a hospital I’d really like to deliver at that’s in-networking with my BCBS plan but out-of-network with my husband’s Kaiser plan.
I’m now considering choosing a hospital that’s in-network with both plans just for peace of mind.
Has anyone in Colorado dealt with this situation?
Thanks!