{"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":"conoscere-la-regola-del-compleanno-che-decide-chi-paga-il-parto-di-un-bambino","status":"publish","type":"post","link":"https:\/\/urbancare.clinic\/it\/conoscere-la-regola-del-compleanno-che-decide-chi-paga-il-parto-di-un-bambino\/","title":{"rendered":"Conoscere la "regola del compleanno" che decide chi paga per il parto di un bambino"},"content":{"rendered":"
<\/div>\n

Fondare una famiglia \u00e8 una decisione che comporta costi enormi sul carico finanziario della famiglia. Fortunatamente, la copertura assicurativa alleggerisce l\u2019onere. Tuttavia, esiste una regola poco conosciuta chiamata "regola del compleanno" che determina il pagamento da parte dell'assicurazione dei genitori del parto e del primo mese di vita del bambino.<\/p>\n

Non essere a conoscenza di questa regola ha creato uno stress finanziario per una coppia di Highland Park che \u00e8 costato loro migliaia di dollari.<\/p>\n

Bowie Tinio, che ora ha 20 mesi, era gravemente anemico alla nascita.<\/p>\n

"Probabilmente stava perdendo sangue nel grembo materno", ha detto il padre di Bowie, Mike Tinio, ABC7<\/a> segnalato.<\/p>\n

<\/div>\n

\u201c\u00c8 stato un parto complicato. In realt\u00e0 \u00e8 finito in terapia intensiva neonatale per quattro giorni", ha aggiunto Vanessa Ying, la madre di Bowie.<\/p>\n

Quei quattro giorni nel reparto di terapia intensiva neonatale comportano un conto di $80.000. Ying ha detto che le \u00e8 stato detto che il primo mese di vita del bambino \u00e8 coperto dalla polizza della madre, quindi ha aumentato i suoi benefici assicurativi in caso di emergenza.<\/p>\n

"Si \u00e8 assicurata di ottenere la migliore assicurazione che poteva ottenere", ha detto Tinio.<\/p>\n

Tuttavia, due mesi dopo, la coppia ricevette fatture mediche per un importo di $10.000.<\/p>\n

Ero davvero confuso. Pensavo che avessimo pagato tutte le fatture dell'ospedale, quindi non sapevo perch\u00e9 stavamo ricevendo fatture aggiuntive", ha detto Ying.<\/p>\n

Alla fine, Ying ha scoperto che la sua compagnia assicurativa non copriva il costo della copertura del parto e invece era stato preso in considerazione il piano assicurativo di suo marito a causa della \u201cregola del compleanno\u201d.<\/p>\n

La regola del compleanno \u00e8 una pratica assicurativa utilizzata per determinare il piano che verr\u00e0 utilizzato per coprire il costo del parto del bambino<\/a> quando entrambi i genitori sono assicurati.<\/p>\n

"Non \u00e8 fatto per rendere la vita migliore ai consumatori", ha affermato il professor Glenn Melnick della Sol Price School of Public Policy della USC.<\/p>\n

Secondo la regola, l'assicurazione del genitore il cui compleanno cade per primo nell'anno civile copre i costi della gravidanza, indipendentemente dall'anno di nascita. Quindi, l'et\u00e0 non \u00e8 un fattore in questo, come da EHealthInsurance<\/a>.<\/p>\n

\u00abQuindi se il mio compleanno \u00e8 a gennaio e quello di mia moglie a febbraio, i bambini verranno assegnati alla mia polizza a gennaio perch\u00e9 il mio compleanno cade per primo dell'anno. C'\u00e8 questa trappola nascosta che pu\u00f2 finire per costare loro migliaia se non decine di migliaia di dollari", ha detto Melnick.<\/p>\n

Per i genitori di Bowie la differenza era di circa $7.000. Melnick ha consigliato ai nuovi genitori con doppia copertura di ricercare le polizze assicurative.<\/p>\n

"Non riceverai una doppia copertura a causa della regola del compleanno e quindi dovresti capire quale polizza \u00e8 la migliore", ha detto.<\/p>\n

Dopo 20 mesi, con l'aiuto di un avvocato dell'ufficio risorse umane di Ying, la compagnia assicurativa di Ying ha accettato di pagare, cosa che ha posto fine alle chiamate di riscossione.<\/p>\n

"Se possibile, sii sullo stesso piano assicurativo", sugger\u00ec Melnick.<\/p>\n

Fonte quotidiana medica<\/a><\/p>\n

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