New baby on your insurance policy? Before or after birth?
Health Insurance
New baby on insurance policy. I know coverage won’t start until after the baby is born but I don’t know whether to have my husband talk to them now or after she is born. He says after but I just want to make sure. I know all insurances are not the same but I assume this issue would be the same with almost all of them. I just want to make sure all of the hospital expenses from the first couple of days are covered because I am on a different policy.
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I would think after because what if the baby has complications. But i’m not sure
after she or he is born
I believe you also need to wait until he or she has a social security number and that takes a few weeks
also remeber no one considers it a baby until after its born,, until its born it is technically a fetus and is really not “a person”
Before, so if theres a miscarriage, well you know.
after because what if she dies
I’d say before because the needs involved with this begin then. It;s disgusting to me that some people here are using this as a pro-choice(pro-abortion) forum to back-door their arguments in. When I said that the needs involved with the baby began before he/she is born, I meant there would be medical needs of yours and of the baby that would need to be covered. amniocenteses, possible premature care, etc. It’s sad that some would use such an innocuous question to further politically motivated aims.
We added our kids after they were born.
We put the babies on our insurance when they were born. As you say, companies may not all be the same. It’s kinda hard for them to insure someone who isn’t in the world yet.
Hope that happens soon. Happy Baby!
Your new baby will be covered retroactively to her date of birth, as long as he adds her within the company’s allowed period (usually about 30 days). There’s no reason to try to add her before she’s born.
after the baby is born….they are covered i believe for up to 30 days after birth…so they give you time to get things together and add him/her to your insurance
When I had my babies (last one in 2004), the baby was always covered under the mother’s insurance for 30 days to give the parents time to add the baby. I don’t think you can do anything until after the baby is born, but be sure to get the paperwork turned in ASAP when it is born. Maybe you could get the forms ahead of time just so you’ll be ready. Good luck, and congratulations!
You should do it before after will be chaos even if there are complications its easily taken off your coverage.
tell them now, by letter to the membership department. Keep a copy for yourself. As soon as possible, when the baby is born give them the name of the child, as the will not add it to the membership untill then, but you at least have written p[roof of prior notification.
Also make sure you pay your family premium in advance for that month. That way no matter when the baby comes, you will be paid up and entitled to claim.
It doesn’t hurt to actually call the Insurance agency and ask what their policy is. This way you will know fr sure and it usually doesn’t take longer than half an hour. I think it is wise that you are inquiring already. Call them for sure. This is a proactive move that might pay off later
After the baby is born and after you get the social security card.
After!
You need to add the baby within 30 days so he or she is eligible for benefits if it’s your huband’s insurance, or else baby’s not eligible for reimbursement for hospital expenses..
A newborn is always added after birth. They use to require they be 2 weeks old before they would actually insure them. If you have your own insurance coverage and your husband’s is covered by another and you plan on placing the baby under your husband’s coverage the yes, tell him to at least talk to them and let them know. Under your insurance policy, which I am assuming you are using for the birth, you are covered then it gets sticky, Of course if everything goes well and you have a natural delivery, you and the baby will go home within 24 hours. If you have complications, you are covered but I have seen cases where if the baby was born with something wrong with it the insurance company falls back on however the policy is written. I’ve seen several policies written wherein the newborn is not covered for 48 hours up to six weeks old. YOU NEED TO LOOK AT YOUR INSURANCE POLICY FIRST AND SEE WHAT THEY SAY ABOUT COVERAGE OF A NEWBORN. Of course, I’m sure all will be just fine with you and your baby and yours husband can put the baby on his. Insurance coverage and policies are different depending on the insurance company and the policy you are paying for. I’m pretty sure they won’t cover a child prior to birth nor do you have to have a social security number for the child at this point.
BOTTOM LINE CHECK WITH BOTH OF YOUR INSURANCE COMPANIES AND FIND OUT
You cannot add them, until you have a date of birth. As soon as the baby is born, you notify the insurer of the “qualifying event” and have the baby listed without the social security number, if they’ll let you. Some will insist that you get the social security number first, in which case, you need to get something from them that you DID notify them that you tried to add the baby within the first 30 days, and as soon as you get the SSN, they’ll honor the request to add the baby – even if it’s past 30 days. Then as soon as the social security number is issued, you have the baby listed.
Generally, you have 30 days after birth to add the baby. It is not possible to add the baby before birth, because it is not born and the insurance will require proof of birth-possibly the hospital issued birth certificate, medical records or a certified birth certificate from your county records dept. You should check with your carrier or HR Dept before the birth to find out what they require, so that when the tim comes, you know how much time you have to add the baby and what they will require as proof the baby was born. As long as you are also confined with the baby in the hospital, all those charges are covered under your coverage. Once you are discharged, those become covered under the baby and you will need to add the baby for those charges to be covered.
If the pregnancy is covered, then the baby will be covered at birth. You will have a certain amount of days to add the baby to the insurance after birth. Contact your insurance to find out their policy about limits and stuff.