Saturday, December 18, 2010

I have health insurance and my wife doesn't and we are having a baby how those insurance work?

i have health insurance through my job and my wife is supposedly not eligible because she those not have a social security number regarding my child, how those it work? can she receive anything regarding the pregnancy or not?
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None of your wife's maternity expensese will be covered by your insurance policy if she's not enrolled on the policy. You should be able to add the newborn after he/she is born and get coverage for the baby's expenses. The way that maternity billing works is that all the prenatal care will be billed as services for your wife. During delivery/after the birth, expenses will be separated. Certain expenses will be billed for your wife (ex - her hospital stay, her doctor's examinations, etc.). Certain expenses will be billed for the baby (ex - the baby's hospital stay, medical tests, pediatrician examination in the hospital, etc.) Expenses that are billed for the baby could be eligible for coverage by your insurance company, if you add the baby to your policy immediately. Expenses that are billed for your wife (all the prenatal stuff plus her share of the delivery/hospital charges) will never be able to be billed to your insurance company. Unless, of course, you figure out a way to add your wife before the baby is born. Not sure how Medicaid works if your wife doesn't have a social security number? But at this point, that's her last hope for getting her maternity expenses covered, if she can become eligible. You'll never find a private policy that will enroll her and cover her maternity expenses when she's already pregnant. Sorry.
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