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What Parents Should Know About Newborn Health Insurance 

Expecting a new addition to the family is one of the most exciting times in every parent’s life. In this whirlwind of emotions, it can be easy for important things to slip your mind, one of them being healthcare coverage for your new bundle of joy.

Baby and teddy bear rear view with design space

This is a crucial thing to consider as there are many health plans you can choose from. Plus, figuring out which one is the most suitable one for you can take time.

Given how adding coverage for your baby is something that needs to be done as quickly as possible, it’s best that you start preparing sooner rather than later. Whether you’re adopting a baby or expecting one, here’s a guide on everything parents should know about newborn health insurance.

What’s the process of applying for newborn health insurance?

Once you have the baby, you can automatically qualify for SEP (Special Enrollment Period). The birth of the baby is considered to be a qualifying life event. During this period, parents can make changes to their existing health insurance plans.

They can also decide to switch health plans entirely during this period. For instance, parents can choose to cover their baby using one of their health insurance plans provided by their employers. They can also move from one partner’s employer-based health insurance plan to another’s.

Parents who plan on adding their baby onto their employer-based health insurance plan will need to notify their HR department about the arrival of their baby within 30 days after the baby is born.

Can a baby be covered by health insurance prior to birth?

No, a baby can not be covered by insurance before they’re born. That said, if parents enroll their child in health insurance as soon as they’re born, they will be covered for the first 30 days post birth. The insurance will cover the costs of tests, medical procedures, and check-ups.

One of the things you can do while you’re waiting for your baby to arrive is to look up different stem cell storage options that are available to you. While health plans typically do not cover these types of costs, saving stem cells can be a wise decision when it comes to preserving your child’s health. If you do decide to store them, you will need to arrange for it ahead of time.

Some other things you can do while you’re waiting for your newborn to arrive include researching maternity and newborn coverage rules that apply to your state as well as the benefits you can claim.

What if you don’t have employer-sponsored insurance?

Partners who don’t have insurance through employers can rely on their individual or Exchange plan to cover their newborn. In that case, they’ll have 60 days to make changes to their plans and include their baby into the plan. They can also obtain coverage for their little one through a family plan if they already have one.

Parents also have the option to get newborn insurance by opting for a child-only health plan. This would make sense in instances where it’s not possible to include a child into employer-based insurance or where parents qualify for Medicare.

There’s also an option to obtain a child-only plan by purchasing one directly from an insurance company.

What about parents who don’t have health insurance at all?

If you don’t already have health insurance, you should look into different options prior to birth. This will help cover the costs of frequent checkups that will occur when the baby arrives, along with the baby’s delivery.

For low-income individuals, applying for insurance programs like Medicaid can be a great way to ensure low-cost or free coverage. Those struggling to afford health insurance could also look into facilities such as Planned Parenthood. Depending on their income, they could end up paying lower rates when it comes to prenatal care.

Some parents may decide not to get health insurance. In that case, it’d be best to look into programs such as CHIP (Children’s Health Insurance Program). These provide coverage for everything from immunizations to prescriptions to emergency services. While CHIP coverage is different in every state, it can be an ideal solution for parents who are having trouble affording newborn and child health insurance.

Wrapping up

Expecting a baby comes with a lengthy to-do list, and one of the most important steps parents can take in the process is to make sure their little one is covered. Your safest bet is to start doing your research and exploring different insurance options ahead of time. This will ensure that you welcome your little bundle of joy prepared while also giving you a peace of mind.

Eve Anderson is a marketing specialist turned blogger. Interested in sports and exciting travel destinations. Love to share content that can inform people.

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