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Originally Posted by lehresman
Ok, I said I'd update once I heard from my insurance company. Like I said, I have an HDHP with an HSA. After $5000 deductible, they cover 100%, but I did not get maternity coverage. They said they would cover complications on the pregnancy, just not normal routine delivery expenses. The kicker though is that the child would not be covered at all, so if there are any complications with delivery resulting in the child needing more medical attention, it would not be covered.
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I wonder if that is a state by state law that a baby is covered under moms ins?
I do know that for non covered moms, buying separate insurance for the baby only starts after the babies first 'well baby' visit. which if there is a complication will not happen for quite some time, otherwise it tends to be around one week.