(Closed) Health insurance for newborn

posted 7 years ago in Babies
Post # 3
Member
5183 posts
Bee Keeper

No, your baby can’t be covered under your mother’s insurance unless your mother adopts the baby. You should contact your hospital and ask them about enrolling your baby under medicaid and also if you need it, the WIC program. They send you home with formula, diapers etc etc. But as far as medicaid/medicare (I am not sure what it is called) it will cover all of your baby’s hospital expenses (doctor fees, food, shots) until you leave the hospital and then that will serve as his/her insurance. 

Post # 5
Member
1763 posts
Buzzing bee
  • Wedding: September 2010

I am sorry you have to worry about this. I am in a different state, but here the only option would be paying for your employer offered insurance. Does you Darling Husband have any option of picking up benefits at the start of the year through his job? What does he do for insurance now? Any insurance you sign up for now will cover you and the baby.  You could see if they offer employee + child, which is cheaper then a family plan.

Post # 7
Member
5183 posts
Bee Keeper

@Moja Milosc: If your employer is offering such high insurance, it might pay to look into some other insurance options. I know blue cross blue shield offers low cost insurance for self employed families. Just look around. And also, keep your co-pay as low as possible, because with a new born you will ALWAYS be going to the doctor and you want to feel free enough to do so. 

Post # 8
Member
6009 posts
Bee Keeper
  • Wedding: May 2009

You might want to talk to your HR person at work.  He/she can explain exactly how your company-offered health insurance works and can also direct you the proper way to ask for maternity leave.  It’s possible that even if you don’t qualify for FMLA, you are still eligible for some maternity leave due to company policies or state/local laws.

Post # 9
Member
959 posts
Busy bee
  • Wedding: July 2009

We are also in MA and I also started a new job in Sept which makes my mat leave tricky. However I did some research and spoke to some people and am under the impression that the MINIMUM REQUIRED by Massachusetts is actually 8 unpaid weeks. This is what I will have. I believe all employers in MA are required to allow you to take 8 unpaid weeks. You could probably use 3 of them as your vacation weeks and get paid for those 3, but take an additional 5 unpaid.

I hope that helps…

Post # 10
Member
173 posts
Blushing bee
  • Wedding: June 2011

At my job, I currently have insurance just on myself. Each year they have open enrollment, when I can elect to change that to single + dependants, or familly insurance. However, they also have “qualifying events” when I would be able to change my coverage. “Qualifying events” include: the birth of a child, if Darling Husband gets laid off, etc. So, you may be able to go with just single insurance now, and then once your child is born increase your coverage to include him or the whole family. I’m not sure if that is how your company works, you’d have to talk to HR about that, but I like knowing that if something were to happen with DH’s employment, we’d be able to add him on to mine.

Post # 12
Member
7587 posts
Bumble Beekeeper
  • Wedding: December 2010

@Moja Milosc: As long as you have a “well baby” your insurance will cover your birth and the babies hospital stay during that time. After the birth is when you will need to put the baby on your insurance. Insurance companies must back date the coverage of the child as long as they are added within 30 days of the birth. You have quite awhile before you have to pay the high premiums.

Post # 13
Member
371 posts
Helper bee
  • Wedding: February 2011

@Moja Milosc: Anothing thing to consider regarding the 8 weeks off, I don’t know how it works in Mass. but in Ca companies that have less than certain amount of employees are exempt from that law, I don’t know how large your company is or if that is the case there. Anyways good luck and congratulations on your baby!

Post # 14
Member
959 posts
Busy bee
  • Wedding: July 2009

@MrsStormy: I believe in MA it is that companies with less than a certain # (I think 50) are required to give the 8 weeks unpaid while larger companies are actually required to give 12 unpaid weeks.

Post # 15
Member
828 posts
Busy bee
  • Wedding: January 2011

Because you are required by law to have health insurance in Massachusetts, your child will be covered in some way. Have you looked into Mass Health? I have a friend that worked part time hours, while she bought her own insurance through the state (really cheap, like under a hundred dollars a month), her daughter qualified for Mass Health. 

Let me know if that works for you and if you can’t find the info, PM me and I’ll get it for you. 

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