<prompt> Human: My fiance has pretty crappy insurance options through her employer, so has been paying out of pocket for health insurance. Last month, she had surgery, and is currently in the process of making monthly installments for the hospital, surgeon, anesthesiologist, etc. Luckily, my company offers the ability to include her on my admittedly better health plan as a domestic partner before we get married. Open enrollment is now, and the new policy would begin next month.My question is whether her bills should change now that shes on my new plan. Do the new deductibles, percentages of responsibility, etc. apply ex-post facto?  <response>: I would say no. Insurance usually has an effective start date and anything before that is not covered. 