Rando questions about babies & insurance

Okay. So my spouse and I are starting IVF to have a baby. I was told some things that I am seeking confirmation or feedback on:

Is it true the baby automatically goes on the mothers insurance for the first 30 days? If so, how can we stop this from happening? Or can we? Our preference is that the baby not ever be on my insurance, and that it go on my partner’s. (He gets better insurance & coverage.)

How do deductibles and out of pocket maximums usually work when having to go from an individual plan to an employee + child plan mid year? My husband will have already met his individual out of pocket max, so does it start over with the new addition to the plan? Does that money already paid out count towards the new higher out of pocket costs?

If the kid is on mother’s insurance for 30 days, then goes to father’s, that would be terrible right? We’d have tons of out of pocket costs from both plans?

Helpful to note: My spouse and I have individual plans thru each of our employers. Our open enrollments are 5 months apart, I MUST take my own insurance. I can be added as secondary to his plan but it seems like that may cost us more money. If, say, for the first year I keep the baby on my insurance to then have my spouse take over later, we’d have 5-6 months of overlap and being paying for both insurance plans because of how our open enrollment periods and start dates never line up.

I also need to choose between lower (more expensive premium) and higher deductible (lower premium) plans this year. I’m guessing that because we’re going to hopefully have a baby, and I’ll presumably be going to the Dr a ton, I should get the more expensive premium but lower deductible plan this year?

Let me know if more info is needed, any insight would be so helpful. This shit always escapes me. Edit to add: 33 yo female, Ohio resident, IVF is not covered under either insurance and no dx of infertility. IVF is to address genetic variant.

submitted by /u/Josiesonvacation18
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