(Closed) Lots of insurance questions about baby!

posted 5 years ago in Babies
Post # 3
Member
10563 posts
Sugar Beekeeper
  • Wedding: January 2011

Does your company have an HR department?  If so, I would just ask them a bunch of questions, including when a baby could be added.  It shouldn’t be a red flag that you’re pregnant, just that you want to use the benefits you’re provided.

Post # 4
Member
1400 posts
Bumble bee
  • Wedding: September 2012

You should be able to add someone outside of enrollment due to a life change: marriage, divorce, birth. I know I have 30 days to get our baby added after she’s born. I don’t know if its like that everywhere but seems like it should be!

Post # 5
Member
1721 posts
Bumble bee
  • Wedding: March 2013

@ForeverBlessed:  I am in the EXACT same situation you are in.. With my dad’s insurance and with many others, you can file a “change of status” or a “life event” such as adding or deleting a child, a partner, etc. as long as it is filed within 30 days of the event in many cases. My Fi’s nsurance wants to see a marriage license for adding a spouse and a birth certificate for adding a baby. The baby cannot be added to my dad’s policy [which I am on] unless my dad adopts the baby. Soo. for a couple of months, we are going to have Mark and baby on his plan [and bite the cost] and then we are enrolling in Blue Cross Blue Shield as a family in January 2014 since I plan to be a SAHM. For FI’s insurance, it’s 900 per month for insurance for a family. With BCBS and almost the exact same policy, it’s $420.

 

Doesn’t hurt to shop around πŸ™‚

OH, and fair warning, just so you know. My OB requires payment of the baby’s deductible up front….yuck. I’m learning that many OB’s do that.

Post # 6
Member
14303 posts
Honey Beekeeper
  • Wedding: June 2011

@Robin_Sparkles:  Thats exactly how mine is.  You can change it for a life change, and have 31 days to add your baby.

Post # 7
Member
497 posts
Helper bee
  • Wedding: October 2013

My understanding is as long as you have active insurance, you can add the child to your insurance inside thirty days of birth.  So what I understand is you would need to enroll durring open enrollment and then you can add baby later. Talk to your hr dept and they will let you know if it is anything different.

Post # 8
Member
6824 posts
Busy Beekeeper
  • Wedding: June 2011

I work in insurance, a baby is a life change coverage you can add that child retro back to the date of birth of the child. 

Post # 10
Member
7904 posts
Bumble Beekeeper
  • Wedding: March 2012 - Pelican Grand Beach Resort

@ForeverBlessed:  You add your child to your insurance within a few days of birth, not before. A birth, like a marriage, is a life event that does not require you to wait until the enrollment period as long as you alert your insurer within the designated time frame, usually 30 days.

Post # 13
Member
6824 posts
Busy Beekeeper
  • Wedding: June 2011

@ForeverBlessed:  Yep, you will most likely will need to send in a copy of your childs birth certificate to show that the child is in fact real and usually will need to provide a social once you get it also. You have 30 days and everything is covered back to that childs date of birth.

Post # 16
Member
1721 posts
Bumble bee
  • Wedding: March 2013

@ForeverBlessed:  After they have “confirmed” my pregnancy, they send me to the billing department to talk about insurance coverage.

The hospital/OB required that I pay half my deductible at the next appt (usually 10 weeks) and then the remainder before I hit third tri.

Last time, ultimately, I mc’d. and the $1000 I had paid went towards my D and C.

Each hospital is different, but just be prepared that they *may* require that. It sucks putting that much money as a “down payment” on your delivery.

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