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Will health insurance find out about my other coverage?

I am currently 8 months pregnant. My husband was laid off of his job a few months ago and luckily as part of his severance package for being with the company for over 14 years we were given 6 months of beneifts for free. I love my OB and hospital as it is a brand new birthing center just down the street from our home. My husband was just told he has a 99% chance of getting a new job with another company who's beniefts would kick in right away but would be a different and run down hospital with of course a new OB for me. :( Obviously I don't want to switch so close to my due date. We plan on keeping the new medical coverage a secret from our current provider and his old employer because we read in the paperwork that the coverage is only good if you have NO OTHER medical coverage. Once he accepts the job we would have other coverage. My questions is for anyone that works in the medical insurance field. How would our current insurer find out about the new coverage if we dont tell them? Is there a "insurance data base" they may check. A cobra data base ( I think is is somehow related but not sure)? What are the chances they would find out? I assume if they DID find out after the baby was born, we would be back billed for the birth by the insurance company? We dont want that to happen either as the birth will be between $8-10,000 for a normal delivery and $20,000 + if for some reason I need a cesarean. Any help or ideas would be appreciated. My other idea is to be honest with them and try and see if we can pay for the insurance out of pocket ourselves for the last 2 months so I could keep the coverage until the baby is born. However I don't even know if the insurance company would let us do that either. Especially knowing we are having a baby.

Public Comments

1. Just don't have your husband's new insurance cover you until after the baby is born.
2. I Work In the Pharmacy I know Like with Title XIX Has a Program that will look and see if you Have other Coverages. The is Always a problem with our Clients when we tell them we can fill there meds with out Billing there primary First.. Then when they Find out they are Cought they find out now they are responsible for Paying all that Money Back Title Xix paid to the Government or suffer the possiblilty of fraud charges.. if you want to have your Husband wait to Apply for Binnifits I am sure the Company will understand the need to wait a few Month.. other wise the date you are active with the New Insurance is the date you will have to make the switch in the Dr's Now a recomindation also is to find out if the new insurance will accept pre existing Conditions.. since you are switch Insurance youmigt want to find out if the new insurance will even cover you.. just a thought.. i here this type senirio all the time and each time there has been some sort of trouble between providers Good luck And Congrats on the Baby