Adding a newborn to health insurance can be tricky, but there are ways to make it happen. First, you should look into your options and see which plan is best suited to your family’s needs. Depending on your income, you may be able to choose a better policy. Once you’ve decided on a plan, you can start adding your baby to the coverage.
You can also add your newborn to your employer’s plan. Many employers allow employees to add their children to their health plans online. You’ll need your child’s birth certificate and a copy of his or her social security card to complete this process. You can find out more about how to add a newborn to your employer’s health plan by contacting your HR department. You’ll also need to provide the information that the insurer requests, including the child’s full name, date of birth, and place of birth. If you have a job-based plan, you can also call the Member Services number on your ID card.
Some insurance companies require a special enrollment form to be filled out before your newborn can be added to the coverage. The insurer will then recalculate your premium. If your plan has a 30-day wait period, you’ll need to wait for 30 days after the birth before you can add your baby. However, some carriers offer an extra thirty days, so you can be sure that your baby will be covered.
When you have a newborn, you’ll want to make sure that you are covered for any unforeseen medical expenses that might come up. If you’re already enrolled in a health plan through your employer, you’ll need to notify your employer. If you are receiving government assistance, you’ll be limited to certain types of plans. If your income is too high to qualify for a government plan, you can enroll your baby in the Child Health Insurance Program (CHIP).
Whether you’re covered through your employer or your state’s CHIP, you can add your baby to your plan for 60 days. You’ll need to submit a prescribed form, attach a copy of your baby’s birth certificate, and pay an increased premium.
Most insurers will automatically extend your coverage for a period of 14 days when you add your newborn. Some insurers will offer you additional benefits for your newborn, such as prenatal classes and newborn car seats. The exact benefits you’ll receive will vary from plan to plan.
Having a new baby is a life-changing event. Having a baby is one of the qualifying life events under the Affordable Care Act, which means that your newborn will be covered by your health insurance for up to 90 days. If you have a child under the age of 18, you can also be covered by Medicaid for up to 60 days. You’ll need to have a Social Security number to sign up for Medicaid, but you’ll be able to get a waiver that will allow you to skip the 60-day waiting period.