We just found out the baby we're having any day now is probably not eligible for medical care at birth on her mother's insurance plan. Help!
My wife is 38+ weeks pregnant and still insured by her parents' BCBS of Tennessee policy. We live in Washington state. We were told by an insurance adviser that the Erin Act
would guarantee that the birth (and neonatal care) is covered by that.
Today our midwife told us she was pretty sure that wouldn't work, because family insurance policies can't cover grandchildren. This floored us because there is likely no time to make other arrangements now.
I am not insured at present, either. My enrollment with my employer's provider is still pending. I only applied for myself anyway, as our plan was to add the baby to my policy after she is born. (Even if I wanted to add her before then, how could I if we don't have a birthdate or SSN for her?) My wife will remain on her parents' plan until she turns 26 next year.
If we're about to face a crisis, how can we possibly avert it at this late date?
I have no idea how insurance coverage for childbirth even works. What is covered by my wife's policy and what do they expect baby to have her own coverage for? We're in that uncomfortable financial position of making too little money to pay for the birth out of pocket, and too much to qualify for state assistance. It doesn't help that the two of us are completely overwhelmed by the complexity of the insurance world and frustrated that we can't just get straight answers anywhere, including BCBS.