Can a newborn be retroactively removed from automatic coverage? It has resulted in thousands of dollars in medical bills!?

So my wife had already met her deductible and her out of pocket max prior to delivery. However, once my son was born the plan was converted from an individual to a family plan to provide coverage for him.

Of course the deductible (and out of
Pocket Max) for the family plan is much higher. So all of my wife s

So my wife had already met her deductible and her out of pocket max prior to delivery. However, once my son was born the plan was converted from an individual to a family plan to provide coverage for him.

Of course the deductible (and out of
Pocket Max) for the family plan is much higher. So all of my wife s labor and delivery charges were processed under the new family plan instead of the individual plan.

I m getting conflicting responses from her insurance company and my wife s employer about whether or not he can be completely erased from her plan back to the date of birth. My intent was to retroactively remove him (to the date of birth) from her plan so she would revert back to an individual plan thus avoiding all of the excess hospital charges. United Healthcare says that can t completely remove him but the employer states otherwise.

I hope this makes sense. It s been a nightmare dealing with United on this issue. Thanks for the help!

Other answer:

Anonymous:
The INDIVIDUAL deductible doesn't change – you just have an extra person that the deductible applies against. One deductible for your wife – which has been met. Another deductible for your son, which you are working on.

There's no "automatic" coverage. You applied to have him added, within 30 days of birth – you cannot take him off, until the next "open enrollment" period.

And if you DID take him off, then you'd be paying for all the nursery charges, as well. I think you're not understanding that the extra "deductible" you have to pay for him, was due to extra hospital charges you received from him. Take him off and lose the insurance discount on his part of the medical bills? It would cost you a lot MORE that way.

Insurance Pickle.com:
Was it in the past 30 days? If so, then you should be able to undo adding the baby. If not, then the answer is no.

Keep in mind that you'd need to be within 30 days to add to your policy as well.

Bill:
The bills should be paid in accordance to the policy plan in effect at the time the service was rendered. You can not change it back now to get coverage if it as converted prior to the birth.
Pat:
They can't do that.
The effective date of the family plan was AFTER the labor and delivery.
File a formal complaint with your state Insurance Department
Judy:
And you'd paay all the charges out of pocket
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