<prompt> Human: I feel like I have a wildly difficult word problem on my plate. My wife has an Aetna HMO plan with a 1500 Deductible and 3000 OOP max, which becomes a 3000 Deductible and 6000 OOP max when she adds a child. I have a BCBS PPO with the same deductibles and out of pocket maxes of 40008000. Id planned on putting my newborn son on my plan because the monthly fees are less. My wifes plan says it covers him for 30 days and since her birthday is prior to mine in the year shell be primary and Ill be secondary. He was born premature and was in the NICU for several weeks so I imagine the out of pocket maxs are probably in play. Im just curious if its possible well both be on the hook for the family out of pocket maximums of 6000 and 8000 for a total of 14K? Does anyone have any experience with this situation and how would you advise us to handle it? Would it be better to leave him on his mothers insurance? Any help would be greatly appreciated, thanks.  <response>: Call both insurance companies and ask them directly. Do not rely on reddit for specific information like this 