Newborn health insurance can bring your growing family peace of mind knowing that the newest addition to your home can be medically covered. As your expenses increase for your little one's care, it's important to make sure your costs remain affordable to you, especially the monthly premiums of your newborn coverage.
At HealthMarkets Insurance Agency, we work around the clock to make sure that families like yours can find the coverage they need at affordable costs. Our Best Price Guarantee ensures that the cost you pay for your plan is the lowest you'll find with any other agency or marketplace. You can count on our licensed agents to find the right plan for your family.
Qualifying for Newborn Insurance Coverage
Whether you already have health insurance or need to get it, the first thing to know about insuring your baby is that birth is a considered a qualifying event. This means that insurance plans have to let you enroll your child in a plan after birth (during a Special Enrollment Period), regardless of whether or not your child was born during the time normally allotted for enrollment in the plan (during the Open Enrollment Period).
I have health insurance.
If you have health insurance already, make researching your plan's policies under Special Enrollment part of your birth checklist. After your child is born, you will have 60 days to enroll or update your health insurance policy to include your newborn.
I have no health insurance.
If you don't have health insurance already, read on. HealthMarkets is here to help you make sense of your options for your newborn's health care.
Enrolling Your Baby in Health Insurance
Family policies are just what they sound like—major medical insurance policies designed for adults and their dependents. The Affordable Care Act (ACA) is legislation passed to try to offer uninsured or underinsured Americans and their families a chance to maintain their health affordably.
With a family plan, the mother's entire pregnancy, maternity, and newborn care is covered as an essential health benefit by your health insurance provider. This means that from the moment the mother learns of her pregnancy to days after she gives birth to your child, her and the newborn's health care are required to be covered under the ACA.
No matter what type of coverage you're looking for, HealthMarkets is ready to help get you started. Our licensed agents are available at your convenience to help enroll your newborn in health insurance. Give us a call today at (800) 360-1402 to learn more about your options as your family grows.
U.S. Department of Labor: http://www.dol.gov/ebsa/publications/newborns.html