Newborn son high medical bills in first few months of life, with plenty that will be ongoing. He is covered by both mine and his mothers health insurance.

My son was born in November '23. He was diagnosed with some issues that kept him in the NICU for 3 weeks before we took him home. He's had far more than the normal amount of hospital visits to see specialists since then. In March or '24 he had open heart surgery. Clearly the bills on this one are high.

So my question is regards to how insurance may or may not cover the bills. His mom and I both have health coverage for him, and we are wondering how to go about working it so that the secondary insurance covers the remainder of what primary does not cover. He has some disabilities that will have him needing plenty of medical care in his life so we're trying to make a game plan going forward.

Is this possible? What we are hoping to avoid is paying the out of pocket maximum 2 times. Would it make more sense to just have him covered by one of us and only pay one deductible and one out of pocket max on his bills?

This is all new to me, this is my first child and I've needed next to no medical care over the years so I am learning medical billing and insurance as I go.

Thank you in advance, have a great day!

submitted by /u/matrixunplugged38
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