Health Insurance Deductible "Reset" Date
February 6, 2014 8:25 AM Subscribe
So, my wife is going to give birth in Mid-to-End of June. She has a deductible "reset" date of June 1. How does this work?
posted by Debaser626 to Work & Money (11 answers total)
She has a $3,000 deductible on her insurance policy, which we just reached due to a ton of visits to the OB-GYN and prenatal specialists. It really sucks, but at least now we're on the 90/10 plan.
As noted, the issue is that her plan has a deductible reset date of June 1 with the baby due Mid-to-Late June, which if I understand it correctly would mean that we would be responsible for an additional $3,000 for the delivery of our baby... Is this right?
I'm afraid I know the answer, but if so, I'm hoping if anyone has any particular advice on how to navigate this. We already broke the bank reaching the deductible so far...
Also, this got me thinking... While not exactly analogous, but if one was hit by a bus on May 28th and subsequently had to meet the entire deductible, what would happen come June 1st if they were still in ICU? Pay the deductible again?