Are You Ready to be a Dad?

mredskins · 09-02-2010, 01:50 PM

Quote:

Originally Posted by over the mountain

stupid question:

if i have great health insurance and my wife has none, does my health care provider pay for her maternity related doctor and hospital bills?

when the child is born, does my health care coverage cover the child for all the childs medical visits?

will my insurance (already over 200 a month) go up?

If she is under your plan yes they will cover here and the same for the child and yes your monthly payment will go up as well, basically you be on a family plan then.

CRedskinsRule · 09-02-2010, 02:14 PM

Quote:

Originally Posted by over the mountain

stupid question:

if i have great health insurance and my wife has none, does my health care provider pay for her maternity related doctor and hospital bills?

when the child is born, does my health care coverage cover the child for all the childs medical visits?

will my insurance (already over 200 a month) go up?

The child is covered at birth, but then you get a limited window to complete the paperwork to actually enroll them onto your plan. Your insurance WILL go up.

JoeRedskin · 09-02-2010, 03:29 PM

Quote:

Originally Posted by over the mountain

stupid question:

if i have great health insurance and my wife has none, does my health care provider pay for her maternity related doctor and hospital bills?

when the child is born, does my health care coverage cover the child for all the childs medical visits?

will my insurance (already over 200 a month) go up?

As long as your wife is listed on your plan, the birth is covered. As others have said, you have a limited time to automatically add you child as a dependent. Do not sit on this. Call ahead and get the forms necessary, and be ready to roll. Also, make sure the hospital and insurer on the same page as to who the beneficiary is. After the birth of my son, I promptly added him to the coverage, BUT - the hospital kept listing my wife as beneficiary of the services. The insurer denied the bene's as they were obviously for an infant but hospital simply resubmitted without using proper code - huge snafu.

Your rates will go up.

Monkeydad · 09-02-2010, 03:35 PM

Quote:

Originally Posted by JoeRedskin

As long as your wife is listed on your plan, the birth is covered. As others have said, you have a limited time to automatically add you child as a dependent. Do not sit on this. Call ahead and get the forms necessary, and be ready to roll. Also, make sure the hospital and insurer on the same page as to who the beneficiary is. After the birth of my son, I promptly added him to the coverage, BUT - the hospital kept listing my wife as beneficiary of the services. The insurer denied the bene's as they were obviously for an infant but hospital simply resubmitted without using proper code - huge snafu.

Your rates will go up.

Yep, get the ball rolling early...don't wait for the SS# to arrive before starting the insurance application process, they can fill out the paperwork and add that in later to activate the child's coverage. It can take 6-8 weeks for your child's SSN to arrive, near the end of the time they're covered under the parent's policy.

Monkeydad · 09-02-2010, 02:26 PM

Usually the kid's first 60 or 90 days of life are covered (the visits too). Can't say if the actual birth is covered, I'm guessing NO since it's your insurance and not your wife's, but the child can be covered under a parent's policy for a limited (and short) period after birth.

Monkeydad · 09-02-2010, 02:41 PM

BJ's!

Actually, they won't help with diaper costs...sure they sell bigger boxes but they're not cheaper when you look at the per-poop cost.

They're a great place to buy bottles, sippy cups and stuff like that in bulk...and don't think you won't need them in bulk.

I also bought the formula at BJs...bigger cans, actually WAS cheaper per ounce.

Good suggestion, it will help in some areas.

artmonkforhallofamein07 · 09-14-2010, 10:47 PM

Monk that is one cute kid bro!!!

I am late to this party and I was not anywhere near as prepared as any of you guys to be honest. She was not planned and I do not know if given the current job status of myself and also my fiance that we would have been financially ready for sometime.

Since I lost my job, and the family tragedy from a few months ago that cost my fiance her job, this has been one of the most trying times of my enitre life. After having lived my last 10 years of my life as self centered as possible, be it partying, driving race cars with no disregard to the danger of the sport, and my pre economic turn down spending habits I was NOT READY for the surprise of my fiance telling me she was pregnant one day.

Smoot we do not have family "close" and we are not running back home. We are going to get through this rough patch, and to be honest I believe that God does not put anything onto your plate that you can't handle.

As of now I am sitting in the hospital and I have been holding my beautiful little girl all day, and there is nothing in the world that has given me this much joy.

My road has been unorthodoxed IE perfect job, married, lots of cash saved, big house, and to be honest that would make it all easier, but I am very smart and I know how to handle the finances we do have to be able to get by and keep a good credit score! Life will get better and little Adyson is just the first step.

Is this the great advice any of you are looking for... probably not, but I wasn't ready by any means, but this has been great. I love my fiance and my little baby girl with all my heart. I will provide, protect, and give them the best life possible. This has been the greatest day in alot of personal great days in my life.

BTW I am 32 and she is 25. Since you guys were all dropping ages.

SmootSmack · 10-14-2010, 05:37 PM

Well, I wasn't totally honest when I started this thread. But I'll be honest now. The truth is that I did and still do have all the questions I asked. And I'm nervous and I don't know if I'm ready.

What I didn't tell you was that I'm going to have to be ready by the spring because that's when we're expecting our first child. So ready or not, here comes SmootDad

It's already been agreed that in 2029 I will re-sign as a mod here and Li'l Smoot will be promoted to moderator...or Matty will pay him/her $1 million (adjusted for inflation)

(For my FB friends here please refrain from posting anything there as I still have some relatives to notify. Thanks!)

firstdown · 10-14-2010, 05:59 PM

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