There are a lot of things which couples need to plan it out before bringing their new bundle-of-joy into this world. Among the several preparations, couples also need to have apt health insurance for their babies. Having a child is a qualifying life event that triggers a special enrollment period, thereby allowing new parents to enroll in a new health plan or change their current plan to provide health coverage to their babies.
Does Individual and Family Plan Automatically Cover New-Born?
If people are keen to know whether their individual and family plan automatically cover their new-born or not, then they should know that the answer is both yes and no. After birth, the newborn is covered for the first 30 days of their life as an extension under their mother policy and deductible. The coverage is only for the first 30 days and the extension of coverage ends on day 31. People should know that while both pre and postnatal maternity care ae some healthcare services are essential benefits covered under marketplace plans, but babies’ health insurance is not included as an essential benefit. Thus, to obtain health insurance for the newborn, parents either need to enroll in a new health plan or change their plan. Having a child is a qualifying life event that triggers a special enrollment period allowing parents to change or enroll in a health plan outside of the annual open enrollment period. After the birth of their child, parents have a 60-day window to obtain health coverage for their newborns. During this time, they can enroll in a new plan or change plan to include their child for coverage.
Risks of Not Having Insurance for Newborn
Receiving healthcare services for newborns are among the most expensive medical expenses, and if the couples fail to obtain health coverage for the kids during the window that they are allowed, then they could end up paying expensive medical bills that at times can become extremely difficult to afford. Having health insurance for a newborn will help people protect them from any type of illness and health issue.
Options for Individuals Who Don’t Have Health Insurance
Parents of newborns who don’t have health insurance will have to pay all expenses out-of-pocket. People should be aware that child-birth can cost between $2,000-$4,500 depending upon the delivery method without any medical complications. People will not only be responsible to pay for prenatal, delivery, and postnatal care from their pocket but also for the care that the newborn will receive just after birth. However, people who are having a difficult time affording health insurance have some options to obtain coverage.
Expecting parents who think that they will not qualify for programs like Medicaid based on their income should still apply for this program in this situation because they are likely to receive Medicaid coverage due to pregnancy. This will be an ideal way for them to obtain health insurance for themselves and for their babies. The best thing about this program is that they don’t have to wait for the annual open enrollment period to apply, as they can enroll in the plan at any time of the year if eligible.
Planned Parenthood and CHIP
People also have CHIP and Planned Parenthood as health insurance options, to obtain coverage for themselves and their newborn. Planned parenthood sometimes offers prenatal care at lower rates depending upon the income.
Individuals who don’t have health insurance and are not planning to get health insurance can consider the option of the Children’s Health Insurance Program or CHIP. CHIP is a health insurance plan designed for economically weaker parents having children. Parents having low-income may qualify for CHIP that provides coverage to their babies or older children. Though CHIP coverage varies state to state but includes services such as immunizations, check-ups, doctor visits, prescriptions, dental and vision care, inpatient and outpatient care, laboratory and x-ray services, and emergency services in all states. Some of the states may provide more covered benefits to the child. Just like Medicaid, individuals can apply for CHIP during any time of the year.
Where to Shop for Newborn Health Insurance?
Before the birth of the child, the expecting parents should start looking for a health plan for the kids. People can search for newborn health insurance at different health insurance portals that guide and assist them in picking the right plan. Individuals just need to enter their zip code to start comparing premiums for over thousands of plans from over several companies.