Title: When to Get Health Insurance for Newborn
Headings: When do you get health insurance for a newborn?
When do you get health insurance for a newborn?
Dino Christoforakis
Do I Have to Get Health Insurance for My Baby Before it is Born?
What Medical Care Expenses Will I Need to Anticipate for My Newborn?
What is Covered According to the Affordable Care Act?
What are the Most Important Things to Review When I Shop for Coverage?
– Summary of Benefits
– List of Participating Providers
– Co-pays and Premiums
Take a Breath Before You Get Started
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Content: With the Affordable Care Act (ACA or Obamacare), new parents—whether by birth or adoption— have 30 days to obtain coverage for their new baby. Expenses incurred within those 30 days will be covered retroactively. This means that if your baby is born on the first of the month, you have until the 30th of that month to let your insurance company know your child’s name, date of birth, and social security number. Insurance companies understand that your baby will undergo standard tests and immunizations before the 30th of the month. Those expenses incurred during your child’s first 30 days will be eligible for coverage as long as you enroll by day 30. So don’t worry about that first check-up and immunizations; you’ll have plenty of time to cover it. What Medical Care Expenses Will I Need to Anticipate for My Newborn? Your baby will undergo a wide variety of care and testing in its first hours of life to help to make sure they’re in perfect health and to detect any previously undiagnosed concerns. Apgar Test — This immediate “check-up” will take a look at your baby’s skin coloration, breathing, heartbeat, and other characteristics to determine if there are any urgent health concerns.