Understanding Your Insurance When You Have a Baby

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You will know your child’s social security number before you leave the hospital, but it can take up to three months for the actual card to be issued. Insurance companies will simply require the number, your child’s date of birth, and his full name in order to be added to your insurance.

Often, new parents never think about the financial implications of having a child – especially as it pertains to medical bills. The truth is that in the first month of your baby’s life, he will be seeing the doctor to monitor growth and to make sure that he is healthy. If your newborn gets sick during the first month of his life, you will be in the doctor’s office even more. It is important to understand your insurance prior to delivery, and to make sure you know how to add your child to your health coverage so that there are no problems with overlapping or non-coverage.

Every insurance company is different. Don’t just assume that because you are being covered by an insurance company that they automatically add your child to your plan. Your very first step should be to contact your insurance company to gain a complete understanding of the steps you will have to take. Most often, you will be required to call them within a few days of delivery to add your baby to your plan. Also, check with your human resource administrator to see if higher monthly fees for your family will apply. If so, you will have to alter your plan and make sure your employer takes the premium out before you can acquire coverage for your baby. In most instances, there is a grace period of 30 days to add your baby to the coverage.

{ MORE: 3 Coping Strategies for When You've Got Sick Kids }

Hospitals automatically apply for a social security number for your child. You will know your child’s social security number before you leave the hospital, but it can take up to three months for the actual card to be issued. Insurance companies will simply require the number, your child’s date of birth, and his full name in order to be added to your insurance. If your insurance company has a small grace period for adding your child, then have someone else in your family be responsible for that.

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Understanding Your Insurance When You Have a Baby

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7 comments

  1. Profile photo of mommy nhoj mommy nhoj says:

    Will keep this in handy! Thanks!

  2. Profile photo of LIZ says:

    make understand so many things easy tnx so much

  3. Profile photo of Tina Tina says:

    I found out last week that my insurance never got changed. I’m 33 weeks and am now re applying for insurance, it is such a mess. They are saying if I was approved that I would only get 3 months back pay for the coverage. It’s such b.s. and huge huge mess.

  4. Profile photo of Christina Christina says:

    I too am glad Im covered.

  5. Profile photo of Marilyn Marilyn says:

    I’m glad I’m covered.

  6. I have government issued insurance thanks to obama me and my baby are covered!

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