How to Add a Baby to Health Insurance

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When you add a new baby to the family, it is important to ensure that your new addition has health insurance coverage. There are several things to be aware of when looking to get your baby covered. Read the article below to learn how to add a baby to health insurance.
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    Review your budget.
    • Make sure that you can afford the increase in insurance premiums from the addition of a baby to the health insurance. Babies require more doctor visits in the early years of life. If you are not able to afford your health insurance with a baby added on, contact your state's department of health to get some assistance with other options for covering your baby. Many state's offer low cost coverage for families who are not able to afford their health insurance premiums with their employer.
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    Notify your health insurance carrier that you have just had a baby.
    • Many health insurance providers require notification within 31 days of the birth of the baby. Failure to notify your insurance provider about the addition of your baby can leave you responsible for hefty medical expenses until your job's next open enrollment period.
    • Make sure that you are aware of what is required from you in order to obtain your baby's health care. Although you can not add the baby until after it is born, as long as you notify the insurer before the 31st day after birth; the insurer will make the baby's insurance retroactive so that it begins on the date of their birth.
    • Failure to notify your insurance provider of the addition of a new baby within the required time frame will leave you financially responsible to bear the burden of all medical costs.
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    Turn in all of the required paperwork.
    • Many insurance providers have different procedures that must be followed when adding a baby to their coverage. Be sure to turn in all paperwork in a prompt and timely manner when requested.
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    Seek out the assistance of your local government.
    • Many state agencies provide health insurance for low income families who are not eligible for their employers insurance and who can not afford to purchase health insurance on their own.
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    Speak with your hospital's social worker.
    • If you do not have insurance for baby by the time it is born, the social worker can help you with the paperwork required for government assistance. They will expedite your paperwork to help ensure that everything is processed within the time frame needed for new baby coverage to begin immediately.


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