Any health insurance experts here? Need some advice.

Essentially she is covered by both plans at the same time. The correct thing to do would be to have a COB, and Aetna will likely come back later this year and ask BCBS to process the claims.

You could end up having to pay out of pocket to meet the deductible on that plan. That could be an issue with figuring out how to apply payments on the provider side as they will likely have to change the funds to “undistributed.” They should apply those to the new co-payment/deductible, but sometimes they refund the patient and then you’ll essentially have to pay it back to them.

I would recommend using the birth as a life event to consolidate to one plan if only so you don’t have to pay two premiums at that point. Good luck!

Unfortunately you would likely owe the deductible. There’s always a chance Aetna doesn’t catch it, but they should be running checks on their members for multiple coverages. I do think at some point you would owe a deductible to BCBS, though there’s a chance you slide through the cracks (happens with insurance more than you would think).

Aetna would continue to process the claims as secondary payor. They should cover gaps in coverage. For example if BCBS only covers 40% but Aetna covers 60%, Aetna would pay that extra 20%, but they wouldn’t cover the deductible of another plan.

You can switch her coverage effective 6/17 or whenever the baby is born without having to wait for that July 1 date (highly recommend to limit any potential deductible liability for the birth).

I think that’s probably the best path. Remove the BCBS insurance once you can, just be prepared that BCBS might come back at some point.

It’s definitely not straightforward. If I didn’t deal with it every day, I’d be lost navigating some stuff. Hope it all works out for you, and congrats on the baby!