Post # 1
DH and I are thinking about TTCing and I want to get all the details ironed out because I am still in school (hoping baby will arrive right before last year). Right now, we are both covered under our parent’s insurance and maternity care is 100% covered. What I am confused about and having a hard time trying to figure out is what I can do for insurance for the newborn. Since I am a dependent on my dad’s insurance, how can I buy insurance for a newborn and is it possible to have this taken care of before the baby is born? I have been wondering if CHIP (the state’s free insurance for kids) is an option, we are currently under the income limit but once again I am not sure if it would cover the immediate care of the newborn right after it is born.
Post # 2
I think newborns are automatically covered by whatever policy their parents are on, up to a period of time or something?
Post # 3
Definitely talk to someone at DHS or whatever your state program is. Here in Oregon, once you apply and are approved, they cover everything baby related including prenatal care for you. Once the baby is born then obviously they only cover stuff for the baby.
Post # 4
Please don’t take this the wrong way but studying and having a baby is incredibly difficult, I have a friend who did it but it took her longer because of it, I’m just reminding you to be sure of whether or not you will be able to handle it, else maybe wait that extra year. I am just concerned about how you will support the child if you are still studying, like I said I have friends who have done it but they didn’t plan the pregnancies and their parents helped out with babysitting while they studied full time and worked part time while raising their child. Also I’m assuming that you would be living together once you have this child? Again I know you could have dealt with all of that already, it just isn’t mentioned in your original post so I’m just bringing it up.
I know the law here doesn’t allow you to be covered on your parents medical aid after the age of 26 so maybe look into that as well. Here after the age of 26 you have to be on your own medical aid even if you are studying although they don’t care who pays for it.
Post # 5
turnanewleaf: +1 you’re 100% right the baby would be covered up to 30 days under most insurances
lilek22: I don’t know where your from or if insurance is different in your area but in Philadelphia it is CHIP that you would use.
Post # 6
Because every policy is different, it’s foolish to take advice on an anonymous wedding board. You should call your insurance company and ask these questions to get it tailored to your specific policy. If you want information about the state policy, call your state policy.
Post # 7
lilek22: Why would you have a baby if there’s a possibility that the state has to pay for its care?? That’s irresponsible.
Post # 8
- Wedding: October 2011 - Bed & Breakfast
I want to make sure I understand this correctly… you intend to get pregnant even though you know you cannot afford to pay for the child’s healthcare on your own?
Post # 9
I agree with abbie017: that you need to contact your insurance provider. However, based on some quick online investigating, everything I’ve been able to find regarding this indicates that the Affordable Care Act does NOT require insurers to extend coverage to dependents of dependents.
Post # 10
Yeah..not to be harsh, but I think you should put more serious thought into this. Wait until you are done with school and financially independent before bringing a child into the world instead of relying on free programs.
Post # 11
Recently a friend had situation kind of like this, the grandparent’s insurance would only cover the baby if the grandparents were the legal guardians. So check with your policy but it may be the that the very inital part (like hospital stay and newborn tests) are covered but after that the baby needs its own insurance or coverage under insurance you’re primary on. I know my university offered student insurance for not that much.
Post # 12
If you don’t have insurance coverage through your own employer I think you would have to pay for the baby’s insurance on your own (through the new marketplace I guess?) or you would have to talk directly to the state about their program, nothing we can say will help you unless someone else from your state can. I don’t think your parents insurance is required to cover your dependent, but you can always call them to check. You should always talk directly to insurance or the program since every policy is different. Strangers online cannot give accurate answers.
Why not just wait until you both have stable jobs?
Post # 13
The baby will be covered on mom’s insurance for 30 days. Because you are on your parents insurance, the baby cannot be on that insurance. You will need to pay for separate insurance for the baby AND either you or the father will have to be on the same insurance because a child cannot be on their own insurance by themselves. Me and several other friends are in a similiar situation although FI has insurance through work that he’ll be on with the child.
Post # 14
I wouldn’t plan on having a baby until I could pay for the insurance. I get that accidents/problems happen so it’s great that the free insurance is there for people who need it but it seems very irresponsible to plan on a baby when you can’t afford it.
Post # 15
I reccomend you do research on your current plan to determine what is and is not covered. As an example, my group plan does not cover for birth of a child of a dependent. So in the case of my insurance, your pregnancy, birth, and baby would not be covered at all. Do your homework.