I'm hoping someone here can help me with this. Please let me know if this is better posted somewhere else!
I have United Healthcare through my job. Currently married with no children. During pregnancy, my husband and I opted for the more expensive Choice Plus plan, to reduce the out of pocket expenses of prenatal care and birth by paying more each paycheck, just in case I experience a medical emergency.
The family plan for this insurance is an INSANE increase. I would rather pay less out of paycheck and more at appointments with how insane the increase is. I would like to downgrade at our child's birth to their other plan (Choice) when we change to the family plan, assuming baby is healthy.
1) can I do this?
2) since adding baby is retroactive to his birth, would this impact the insurance I had during the birthing process/birth/postpartum hospital stay for myself? If so, I think we'd have to eat these costs and wait until open enrollment, otherwise the increase we've been paying isn't really worth it.
Thank you!
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