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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Change in insurance during hospital stay
Our insurance is switching on 9/1 which is also my due date. I'm hoping to go on my own in the next few days but I have an induction being scheduled for either Saturday or Sunday night which would most likely have me being in the hospital until 9/1 or later. How does this work with insurance? Any experience? I'm sure it'll end up being a shitshow. Perfect timing lol.
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Posted 8/25/15 10:26 PM  |
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Long Island Weddings
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Bridex100
Two Under Two Mommy
Member since 3/08 10420 total posts
Name:
Momx100
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Re: Change in insurance during hospital stay
I would make sure your obgyn and hospital accept your new insurance.
Sounds like it will potentially get messy.
Good luck with L&D!
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| Posted 8/25/15 10:38 PM |
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MrsG823
Just call me Mommy.
Member since 1/11 5570 total posts
Name:
S
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Change in insurance during hospital stay
Call your current insurance company and find out how they bill- my insurance covers labor and delivery as one hospital stay- the stay begins when you check in to deliver.
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| Posted 8/25/15 10:44 PM |
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jessnbrian
Only God knows His plan for us
Member since 4/13 7238 total posts
Name:
Jessica
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Change in insurance during hospital stay
This is going to get very tricky, and because there was no way to preregister of get prior authorization, I can see how you might end up with out of pocket expenses you didn't anticipate. You will, at the very least have two copays for the hospital stay, one for each insurance, and two deductibles (if you haven't met the deductible for the old insurance yet). Have you verified that both your on and hospital are IN NETWORK with the new insurance?
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| Posted 8/25/15 10:45 PM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Change in insurance during hospital stay
Definitely made sure my doctors and hospital were in network when we first heard of the switch.
This kid better arrive asap!!
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| Posted 8/25/15 10:55 PM |
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Re: Change in insurance during hospital stay
This may not be a popular suggestion but I would probably beg the dr to induce me a day or 2 earlier to avoid all of this.
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| Posted 8/25/15 11:19 PM |
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LSP2005
Bunny kisses are so cute!
Member since 5/05 19461 total posts
Name:
L
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Re: Change in insurance during hospital stay
Posted by LastLightGlow
This may not be a popular suggestion but I would probably beg the dr to induce me a day or 2 earlier to avoid all of this.
I was thinking the same thing. Because the doctor usually bills the entire pregnancy with one or no copays, I would have a very frank discussion and ask for an induction for Thursday or Friday at the very latest.
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| Posted 8/25/15 11:54 PM |
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luckysmom
Yes it is! Going as planned:)
Member since 6/07 5339 total posts
Name:
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Re: Change in insurance during hospital stay
Posted by LSP2005
Posted by LastLightGlow
This may not be a popular suggestion but I would probably beg the dr to induce me a day or 2 earlier to avoid all of this.
I was thinking the same thing. Because the doctor usually bills the entire pregnancy with one or no copays, I would have a very frank discussion and ask for an induction for Thursday or Friday at the very latest.
I was thinking this too. Me plain the situation to your doctor and beg him to induce you 2 days early. If he induces you on Friday and you have the baby on Friday or even Saturday, you'd most likely be going him on Sunday or Monday the latest so you'd be ok with the insurance piece.
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| Posted 8/26/15 8:40 AM |
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hcsf
LIF Adolescent
Member since 8/07 792 total posts
Name:
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Re: Change in insurance during hospital stay
My understanding is that once you are admitted, whatever your insurance is at the time will cover you for the entire stay even if your insurance terminates.
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| Posted 8/26/15 8:47 AM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Change in insurance during hospital stay
Had DH speak to HR who called the insurance company. She claims it won't be an issue and not to worry. The deductible will transfer to the new insurance so I won't be hit with both deductibles. She also says that I don't need to worry about pre-auth since I will be admitted under the old insurance. I hope she's right.
I had an awful induction experience with DD1 and if I were to have a repeat of that, I still wouldn't be released from the hospital before the insurance changeover. So I'm just doing every old wives tale I can think of to get this kid moving lol.
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| Posted 8/26/15 10:22 AM |
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chilltocam
LIF Adult
Member since 11/11 9141 total posts
Name:
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Re: Change in insurance during hospital stay
Posted by hcsf
My understanding is that once you are admitted, whatever your insurance is at the time will cover you for the entire stay even if your insurance terminates.
Yes. This is correct. The carrier who covered you when you were admitted is responsible. At most, that carrier can contact the new one to work out some payment arrangement between them. If either company tries to drag you into it, contact the NYS Insurance Dept - they will not put up with that kind of nonsense
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| Posted 8/26/15 12:39 PM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Change in insurance during hospital stay
Induction scheduled for 5pm Friday so if things go smoothly, we should hopefully be discharged by 9/1.
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| Posted 8/26/15 12:42 PM |
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MrsG823
Just call me Mommy.
Member since 1/11 5570 total posts
Name:
S
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Re: Change in insurance during hospital stay
Posted by ElizaRags35
Had DH speak to HR who called the insurance company. She claims it won't be an issue and not to worry. The deductible will transfer to the new insurance so I won't be hit with both deductibles. She also says that I don't need to worry about pre-auth since I will be admitted under the old insurance. I hope she's right.
I had an awful induction experience with DD1 and if I were to have a repeat of that, I still wouldn't be released from the hospital before the insurance changeover. So I'm just doing every old wives tale I can think of to get this kid moving lol.
Ask your Ob to strip your membranes- it hurts for a few seconds but is likely to get things moving.
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| Posted 8/26/15 12:59 PM |
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pumpkinmom
LIF Adult
Member since 5/12 2912 total posts
Name:
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Change in insurance during hospital stay
I would call your insurance companies and ask. It sounds like something there should be a special exception for .
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| Posted 8/26/15 1:24 PM |
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TwinDani
We are complete <3
Member since 3/11 1750 total posts
Name:
Danielle
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Change in insurance during hospital stay
I would ask to get all of that information in writing. They can say something but all of a sudden you get crazy bills.
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| Posted 8/26/15 1:58 PM |
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LSP2005
Bunny kisses are so cute!
Member since 5/05 19461 total posts
Name:
L
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Re: Change in insurance during hospital stay
Posted by TwinDani
I would ask to get all of that information in writing. They can say something but all of a sudden you get crazy bills.
ita. Ask for a care coordinator at your current insurance and explain everything to them. Get the names and numbers of everyone you spoke with.
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| Posted 8/26/15 2:15 PM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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Re: Change in insurance during hospital stay
Posted by TwinDani
I would ask to get all of that information in writing. They can say something but all of a sudden you get crazy bills.
I just received an email explaining it with the persons information.
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| Posted 8/26/15 2:36 PM |
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