My wife has health coverage (different from mine) through her employer. Her deductible is $1300. In May my daughter was born. Until then my wife incurred a lot of expenses and met the deductible.
When my daughter was born, we added her to my wife's plan. The deductible was increased to $2600. Which is fine, and understandable.
However, when the hospital bills for the labor came in the insurance is claiming that the applicable deductible should be $2600, since my daughter's insurance is effective from her birth date.
I disagree. Labor is a procedure that my wife went through. Specifically, if I had insured my daughter under my plan my wife's insurance would have had to pay for all of it since my wife was billed. The only things we would have had to pay would have been medical procedures specific to my daughter and through my plan.
I believe that they are on the hook for everything they would have had to pay and the deductible should come "online" only for things specific to my daughter or any post-partum medical visits of my wife.
Who is right? How do I argue this effectively?