Title: Health Insurance for Newborn Babies - HealthCareInsider.com
Headings: Health Insurance for Newborn Babies
Health Insurance for Newborn Babies
In this Article
Why Trust Our Content?
What You Need to Know
What Do You Need to Do Before Your Baby Is Born?
Required Benefits
Does Health Insurance Cover Newborns?
If you have an employer-based plan
If you have an individual or Exchange plan
For hospital stays
Coverage During Special Situations
What If You Don’t Have Health Insurance?
Can You Buy Health Insurance Just for Your Newborn?
While You Wait for Baby
Explore More
Article Sources
About Deborah Gordon

Content: If you have an employer-based plan
If you have insurance through an employer, your baby will be automatically covered for a set period immediately after birth. Notify your insurer, or your human resources or benefits department, within 30 days of the baby’s arrival to add them onto the insurance plan. Your baby will be enrolled retroactively as of their birth date and can’t be rejected for preexisting conditions. Any medical care they get in those early days will be covered if you sign up in time, even for services received before you signed up. Some employers offer extra time to enroll a newborn. Check your company’s rules. If you and/or your dependents are covered under Medicaid or a state Child Health Insurance Program (CHIP) but lose eligibility for that coverage, you have up to 60 days from the date you lose coverage to enroll in your employer’s plan. During the Covid-19 pandemic, the U.S. Department of Labor and the Internal Revenue Service (IRS) published a rule 1 waiving certain timeframes, such as the deadlines for enrolling a newborn on a group health insurance plan. The rule will last until 60 days after the national public health emergency ends, or until a date determined by federal agencies. The pandemic conditions are ever-changing, so check the current rules.