Haven't Received the Hospital Bill for Delivery yet, which plan OOP Max will be considered?
Currently enrolled in: Kaiser Permanente SCR $10 HMO EU 320
Hi everyone, I delivered our baby in July of 2025. I have not yet received the hospital bill and have been sticking to the same insurance plan because I've received mixed info about the OOP Max updating to whichever the current plan is. I'd love to switch to a lower monthly premium because aside from baby's visits we don't go to the doctor often. BUT if switching plans makes our OOP go up to 10 or 17K then I'd rather stick to our current plan capped at 5K.
Does anyone have experience navigating this?
(also it feels pretty ridiculous that we'd have to pay the current OOP instead of the one of the plan at the time of birth?)
I'm not sure if I should just call KP to ask if/when I'll receive the bill.