<prompt> Human: Hello,My husband and I both have medical insurance through our respective employers. I have my 3 biological children from a previous marriage on my policy United Healthcare. I have already paid my indvfamily deductible and met the maximum out of pocket amount 14,000 due to being placed on hospital bed rest during a high risk pregnancy.My husband has BCBS coverage that he never uses so any deductible that needs to be paid hasnt even been touched yet. He also has no one other than himself currently on that policy.Our son was just born 7 weeks premature on 511. My employer requires that they are notified within 45 days for him to be added to the policy- his employer requires 30 days.Due to the fact that he is currently in the NICU and we have no idea on when he may be discharged, I am going to guess that we are incurring massive medical bills for his care. Not even taking into consideration the costs of any continued outpatient care, as well.My question is- since we are still within the enrollment period for both of our employers- would it make sense to add him to both of our policies to try to limit the amount of out of pocket expense that we will incur? Our would that just complicate things with the insurance companies arguing that the other should have to pay etc etc?Edit:If the birthday rule is in fact true- my husbands coverage would be deemed the primary and my coverage the secondary.  <response>: If you already have employee children on your own insurance, then you wont have to pay higher premiums from your paycheck after you add the baby. And since youve already hit the family out of pocket maximum, you wont have to pay another cent on anything for any covered family member for the rest of the year. No co-pays, no co-insurance, etc. Nothing.If you add the baby to your husbands plan, the premiums will increase significantly due to having to pay the employee children rate. And since it is a BCBS plan, there will likely be co-pays and other out of pocket expenses.If you had NOT hit your maximum out of pocket limits, then dual coverage might start to make sense. But for now, just add the baby to your own plan and you can re-evaluate it when the next open enrollment period comes around. It might help out with the deductible amounts next year.Edit: One additional risk is that UHC denies some care provided in the NICU. The best way to guard against this is to have a frank discussion with the hospital and the insurance company. If there are no additional complicating factors beyond the baby being a preemie thats complicated enough!, I dont think there is much to worry about here.Edit 2: Source: Have had United Healthcare for 6 years now, we had 2 babies and hit the max out of pocket when one was born. 