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Additional Details
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Anjelito | 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?
Additional Details
the problem is not because i did not add her on the time period that it was available but i wasnt able because she did not have a social security number they said she did not qualify |
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sarah314
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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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Will P
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Depending on the company, typically you cannot add anything to your policy outside of the open enrollment period (usually in January) except in the event of a life changing event. If your wife had been added when you were first offered benefits or when you got married, or during an open enrollment each year you would be covered. The next opportunity you would have to make changes is either 1) once the child is born or 2) when the next enrollment period is. Unfortunately you're out of luck. |
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Tom Z
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Simple answer. Get the social security number for the child. |
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mbrcatz
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Well, why doesn't she have a social security number? I would think the FIRST step is to get one! If she's not a US National, she's going to have a hard time finding coverage.
Once the baby is born, though, if you're in the US, the baby can be added to YOUR policy. That won't cover the pregnancy costs, though.
Now that she's already pregnant, you're not going to find someone to cover the pregnancy costs. Your ONLY chance is going through Medicaid - the WIC program - and if she's not a US national, I don't think she'll find any help there, either.
You could check to see if you have a Gabriel Project in your area - www.gabrielproject.org they help with pregnancy support. |
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Princess Leia
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Get a social security card for your wife. The child won't be on anyone's insurance until it is born and can't get a social security number until it is born. |
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Jason V
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You should be able to add her. That doesn't make sense. Call your company's human resource center. |
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