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Baby Insurance First 30 Days Question & Answers

2015 March 19
by Sarah Fields

Nancy asks…

does my insurance cover the baby if im covered under my mom?

I’m a college student so I am covered under my mom’s insurance until I am 26… I read online that your baby is covered for 30 days under your insurance, but will my baby be covered if I’m not the policy holder?

Sarah Fields answers:

Obviously you should ask the insurance company this.

George asks…

Does my insurance have to cover my son for 30 days after birth?

I heard from a few friends that insurance companies are required by law to cover your child for 30 days after birth. Yet, when I call BCBS they say my son has to be added to my plan first but I can’t do that till I get his SSN which I wont get back for a month after birth???

Sarah Fields answers:

Rules will vary a bit depending on where you live, but in most cases you’ll need to add the baby as a dependent to your health insurance plan within the first thirty days after birth – then he will be covered retroactively from birth. It generally isn’t required to have a Social Security Number before this can be done. Health insurance companies do this all the time. Talk to them again and explain your situation. If this is an employer-based health insurance plan, contact your HR department or benefits administrator to help you out.

Thomas asks…

Does my insurance have to cover my son for 30 days after birth?

I heard from a few friends that insurance companies are required by law to cover your child for 30 days after birth. Yet, when I call BCBS they say my son has to be added to my plan first but I can’t do that till I get his SSN which I wont get back for a month after birth???

Sarah Fields answers:

Why are you asking us???
We are not your insurance company.
Call them back and ask them to explain it all to you.
Let them know you won’t get a SSN for a month after your child is born and ask how he will be covered between birth and one month.
Babies are born every day i’m sure they’ve seen this exact situation a couple million times.

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