{"id":7561,"date":"2023-02-10T12:52:04","date_gmt":"2023-02-10T09:52:04","guid":{"rendered":"https:\/\/urbancare.clinic\/know-about-the-birthday-rule-that-decides-who-pays-for-a-babys-delivery\/"},"modified":"2023-02-10T12:52:04","modified_gmt":"2023-02-10T09:52:04","slug":"informieren-sie-sich-uber-die-geburtstagsregel-die-daruber-entscheidet-wer-fur-die-geburt-eines-babys-bezahlt","status":"publish","type":"post","link":"https:\/\/urbancare.clinic\/de\/informieren-sie-sich-uber-die-geburtstagsregel-die-daruber-entscheidet-wer-fur-die-geburt-eines-babys-bezahlt\/","title":{"rendered":"Informieren Sie sich \u00fcber die \u201eGeburtstagsregel\u201c, die dar\u00fcber entscheidet, wer f\u00fcr die Geburt eines Babys aufkommt"},"content":{"rendered":"
<\/div>\n

Die Gr\u00fcndung einer Familie ist eine Entscheidung, die enorme finanzielle Belastungen f\u00fcr die Familie mit sich bringt. Gl\u00fccklicherweise erleichtert der Versicherungsschutz die Belastung. Es gibt jedoch eine wenig bekannte Regel namens \u201eGeburtstagsregel\u201c, die einen Einfluss darauf hat, welche Elternversicherung die Kosten f\u00fcr die Entbindung und den ersten Lebensmonat des Babys \u00fcbernimmt.<\/p>\n

Die Unkenntnis dieser Regel verursachte f\u00fcr ein Ehepaar aus Highland Park finanziellen Stress, der sie Tausende von Dollar kostete.<\/p>\n

Bowie Tinio, jetzt 20 Monate alt, litt bei der Geburt an schwerer Blutarmut.<\/p>\n

\u201eEr hat wahrscheinlich im Mutterleib Blut verloren\u201c, sagte Bowies Vater Mike Tinio. ABC7<\/a> gemeldet.<\/p>\n

<\/div>\n

\u201eEs war eine komplizierte Lieferung. Er landete tats\u00e4chlich vier Tage lang auf der neonatologischen Intensivstation\u201c, f\u00fcgte Vanessa Ying, Bowies Mutter, hinzu.<\/p>\n

Diese vier Tage auf der Neugeborenen-Intensivstation f\u00fchrten zu einer Rechnung von $80.000. Ying sagte, man habe ihr gesagt, dass der erste Lebensmonat eines Babys durch die Versicherung der Mutter abgedeckt sei, sodass sie ihre Versicherungsleistungen f\u00fcr den Notfall erh\u00f6ht habe.<\/p>\n

\u201eSie hat daf\u00fcr gesorgt, dass sie die beste Versicherung hat, die sie bekommen konnte\u201c, sagte Tinio.<\/p>\n

Zwei Monate sp\u00e4ter erhielt das Paar jedoch Arztrechnungen in H\u00f6he von $10.000.<\/p>\n

Ich war wirklich verwirrt. Ich dachte, wir h\u00e4tten alle unsere Krankenhausrechnungen bezahlt, also wusste ich nicht, warum wir noch zus\u00e4tzliche Rechnungen bekamen\u201c, sagte Ying.<\/p>\n

Schlie\u00dflich fand Ying heraus, dass ihre Versicherungsgesellschaft die Kosten f\u00fcr die Lieferungsversicherung nicht \u00fcbernahm und stattdessen aufgrund der \u201eGeburtstagsregel\u201c die Versicherung ihres Mannes in Betracht gezogen wurde.<\/p>\n

Bei der Geburtstagsregel handelt es sich um eine Versicherungspraxis, mit der der Plan festgelegt wird, der zur Deckung der Kosten verwendet wird Geburt des Babys<\/a> wenn beide Elternteile versichert sind.<\/p>\n

\u201eEs ist nicht dazu gedacht, das Leben der Verbraucher zu verbessern\u201c, sagte Professor Glenn Melnick von der Sol Price School of Public Policy der USC.<\/p>\n

Gem\u00e4\u00df der Regel \u00fcbernimmt die Versicherung des Elternteils, dessen Geburtstag im Kalenderjahr zuerst eintritt, die Kosten f\u00fcr die Schwangerschaft, unabh\u00e4ngig vom Geburtsjahr. Das Alter spielt hierbei also keine Rolle, hei\u00dft es E-Gesundheitsversicherung<\/a>.<\/p>\n

\u201eWenn ich also im Januar Geburtstag habe und der meiner Frau im Februar, dann werden die Kinder im Januar meiner Police zugewiesen, weil mein Geburtstag im Jahr an erster Stelle steht. Es gibt diese versteckte Falle, die sie am Ende Tausende, wenn nicht Zehntausende Dollar kosten kann\u201c, sagte Melnick.<\/p>\n

F\u00fcr Bowies Eltern war es ein Unterschied von etwa $7.000. Melnick riet frischgebackenen Eltern mit Doppelversicherung, sich \u00fcber die Versicherungspolicen zu informieren.<\/p>\n

\u201eAufgrund der Geburtstagsregel erhalten Sie keinen doppelten Versicherungsschutz und sollten daher herausfinden, welche Police die beste ist\u201c, sagte er.<\/p>\n

Nach 20 Monaten stimmte Yings Versicherungsgesellschaft mit Hilfe eines Anwalts in Yings Personalabteilung der Zahlung zu, was den Inkassoanrufen ein Ende setzte.<\/p>\n

\u201eWenn m\u00f6glich, schlie\u00dfen Sie einfach denselben Versicherungsplan ab\u201c, schlug Melnick vor.<\/p>\n

Medizinische t\u00e4gliche Quelle<\/a><\/p>\n

","protected":false},"excerpt":{"rendered":"

\u201eEs ist nicht dazu gedacht, das Leben der Verbraucher zu verbessern\u201c, sagte Professor Glenn Melnick von der Sol Price School of Public Policy der USC.<\/p>","protected":false},"author":2,"featured_media":7562,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":{"fifu_image_url":"https:\/\/urbancare.clinic\/wp-content\/uploads\/2023\/02\/know-about-the-birthday-rule-that-decides-who-pays-for-a-babys-delivery.jpg","fifu_image_alt":"","footnotes":""},"categories":[27],"tags":[],"class_list":["post-7561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"\nKnow About The 'Birthday Rule' That Decides Who Pays For A Baby's Delivery - Urban Care Clinic<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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