I have a tricky situation that I am hoping someone can help with.

I have insurance through work that has an individual deductible of 6500 and a family deductible of 13000. Terrible. My husband changed jobs just this week and he will not be eligible for his company’s far superior insurance until April 1.

I don’t really know what is going to happen. Because it gets trickier: i am probably going to quit my job during my unpaid leave, once I switch into husbands insurance.

I’m due 3/24 so unless he’s really late being born (and we somehow get signed up and on my husbands insurance in a jiffy) I will have to pay $6500 for the birth and then what? Baby’s initial tests and visits will be on that huge $13000 deductible cost and he will be on my insurance for a few weeks until I can get us on my husband’s insurance?

I hate insurance and I don’t know how this will play out... anyone deal with a similar situation?