Child Birth Coordination of Benefits NYC

Hi All! My wife and I are having a baby soon, well not too soon, but pretty soon as we are still in the first trimester. We’ve heard horror stories about coordination of benefits mishaps and we’re trying to figure out how to navigate the pregnancy. My wife’s insurance generally has better benefits than mine, as I personally have the lowest tier high deductible plan. That said, even if I upgrade during open enrollment, her plan is better than my company’s best option. Since my birthday is before hers, I think that the way it works is that my plan would need to pay first or even cover the whole birth. If that’s the case, we are trying to figure out if it is best for me to join her insurance and then drop mine completely before the baby comes. Open enrollment for both of our jobs is relatively soon.

We are having a hard time figuring out the right move, especially specifically in NYS. If anyone has advice on how to navigate this situation, it would be very appreciated.

submitted by /u/Actual_Mammoth_6
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