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Newborn Baby Health Insurance
While preparing for the arrival of your new baby, it is important to check out the various benefits provided by newborn baby health insurance. New babies require many well-baby visits and immunizations and it is necessary to make sure that you have adequate health insurance. If you have a health insurance plan or are searching for a health plan, there are a few things you need to check:
- Make sure the delivery and new baby care are covered
- Verify that well-baby visits, check ups and immunizations are covered
- Choose a pediatrician or family physician that is part of your plan’s network
- Check on the coverage for a specialist if one is needed
When your new baby is born, make sure you add your child to your health plan as soon as possible. Some policies have a deadline which is usually 30 days to have your child registered. Newborn babies require a visit to their pediatrician within the first few days, so it would be a good idea to have all of your insurance decisions made early. Once you have your proof of birth and a name for your child your newborn can easily be added to your policy.
The Newborns Act
Insurance companies can be particular about the amount of time you spend in the hospital after your delivery. If there are complications your care provider can work this out with the insurance company, but rest assured there is a law to protect. The Newborns Act affects the amount of time you and your newborn child are covered for a hospital stay following a childbirth.
Group health plans, insurance companies and health maintenance organizations (HMO’s) that are subject to the Newborns Act may not restrict benefits for a hospital stay in connection with childbirth to less than 48 hours following a vaginal delivery or 96 hours following a delivery by cesarean section. However, the attending provider may decide, after consulting with you, to discharge you and your newborn child earlier. Also taken into consideration is the health of you and your newborn baby.
So now you have your new bundle of joy and you decided you don’t want to go back to work. If you have health insurance at your work you need to be careful. If you quit a job, or your husband quits a job, which holds your insurance for you and your new baby you can keep your insurance under the federal COBRA law. This will allow keeping your insurance, you will pay more but it is worth it, until you find a new insurance plan or start a new job. Most companies have a waiting period of 3 months before you can start coverage.
Even if you are immediately eligible for health coverage by your new employer, watch out for the term of your new health plan. Plans can be quite different from company to company and you may be forced to switch doctors midway through pregnancy or right after the baby is born.
Whichever plan you choose the most important part of it all is to have the coverage in place when the baby arrives. You might be overwhelmed with your new baby and a little sleep deprived as well. So, get your newborn baby health insurance in place as soon as possible.
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