If you’ve just had a baby – Congratulations! Caring for your new family member is priority #1, and making sure your newborn has the right health insurance coverage is essential. Below are a few tips to help you see if you have what your baby needs.
- If you have health insurance, notify your insurance company right away.
All health insurance policies must provide coverage from the moment of birth for a newborn child of the insured; however this doesn’t mean that your newborn will continue to be covered without you taking some necessary steps following the birth. Most insurance plans require that you enroll your newborn under your policy within 31 days following the child’s date of birth. Keep in mind that adding another child on your policy may result in a premium increase.
What if I don’t enroll my baby on my policy?
Even though it may be more expensive, you should make sure your newborn is covered under your health insurance plan. It’s easy to overlook things when you’re busy with a newborn, but it is important to notify your insurance company of your recent birth so they can begin covering your newborn. According to Wisconsin law, insurance companies may refuse to continue coverage beyond a 60-day period if –
- a payment of a specific premium or subscription fee is required to provide coverage for a child;
- notification of birth has not been given to the insurance company; and,
- the additional fees or premium payments have not been made1
If your policy doesn’t require payment of a specific premium or subscription to provide health insurance coverage for newborns, but requires notification of the birth, your baby will still be covered, even if you don’t notify the company. However, by Wisconsin law, the insurance company may exclude costs associated with a normal delivery. So your baby will still be covered, but you may be responsible for the childbirth costs.
In short, not enrolling your newborn on your health insurance policy may end up costing you.
- If you don’t have health insurance, you may enroll now that you qualify for the Special Enrollment Period (SEP).
If you tried to get health insurance earlier, but couldn’t because open enrollment was closed, having a baby means that you and your family qualify for a Special Enrollment Period. After the birth, you are eligible to enroll in a new health insurance plan within 60 days.
See if you qualify for new or additional subsidies.
Depending on your income, adding a new member to your family may qualify you for health insurance subsidies.
Find a better health insurance plan for your growing family.
If you have health insurance, but don’t like your plan, you may also change plans during the SEP period due to your baby’s birth. This is a great time to compare plans to find the right health insurance coverage for your newborn and the rest of your family. For example, Unity offers access to the American Family Children’s Hospital and a range of pediatricians and specialists that can help make sure your newborn gets top quality health care. Be sure to make the switch within 60 days of the baby’s birth or your Special Enrollment Period may close.
A baby’s birth is a happy occasion and we want to help keep it that way. Not all health insurance coverage for newborns is equal, so it’s important to make sure that your newborn has the right health insurance plan from the start. Browse our health insurance options, or give us a call at 800.362.3310 to get help in finding the plan that’s right for your growing family.