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Baby Insurance Plans Question & Answers

2014 April 9
by Sarah Fields

John asks…

Should I switch myself and the baby to his health insurance?

I am three months pregnant and getting married in May. The baby is due at the end of October. I currently work full time and have my own health insurance, and have registered my upcoming birth with my health insurance as well. If I get married in May, and do not enroll in my husband’s health insurance within 30 days, will I still be able to enroll myself and the baby once my maternity leave is over if I don’t return to work? Is it better to just enroll myself and the baby right after I get married, instead of waiting until after the birth? Will I be able to enroll even though I was pregnant before I was married? If I do enroll in his insurance, I will be enrolled in a health insurance plan through my company, and through his. Can that be done? It seems like a waste of money. If there are any HR people out there who could help, please respond. I get so confused with all of this stuff!

Sarah Fields answers:

Yes you can enroll even though you are pregnant (but call them to verify).

If you are thinking about not going back to work I would switch now. You should be able to cancel your health insurance once the new plan is active. They will just want proof that you are on the new plan.

Laura asks…

What are some problems with extending coverage until age 26, under your parents insurance?

I am in a debate and have to argue against extending coverage of young people until age 26 under their parents insurance plan. If anyone knows any arguments they would be extremely helpful.

Sarah Fields answers:

My personal problem, is it encourages the young adult (who, 100 years ago, would be married off, supporting themselves and raising their OWN family) to remain childlike and dependent on the parents. It fosters dependency and immaturity.

This clause is contingent on the adult being single, so it encourages people to NOT marry, and you can darn well bet that they won’t stop having babies – most likely welfare babies, on CHIPS. This leads to further degradation of the American family, and more out of wedlock babies – which leads to more troubled teens, and MORE people not being self sufficient.

Unless you’re in medical school, it’s time to stop going to school and drag home your own living.

Ruth asks…

Can I get birth control from my family health insurance in another province?

I’m currently going to college in another province- I’m from Nova Scotia and I am now living in Ontario. I am a dependent of my mom and therefore I am on her health/dental insurance she gets from her job. I don’t know anything about it other than its through Blue Cross. I want to go on birth control and I’m not going home for another 4 months so getting it then is out of the question. I was wondering if family insurance plans (NOT the free provincial healthcare) work outside of provinces? Like if I went to a doctor here in Ontario to get birth control would they still cover it? Or would I have to submit a claim or something? I wasn’t planning on letting my mom know I’m doing this so I was hoping it would be no problem and she wouldn’t have to find out but I can’t seem to find any answers to this online.

Sarah Fields answers:

There are a couple of ways to do this. First, call the customer svc # on the back of your medical card. Speak to a call rep about how to get svc out of area. Explain the need to have your bills & info sent to you at college. They should be able to tell you how this is done.

A second option is the college health services. Unless you’re going to some religious university you should be able to get birth control through them and they do NOT Share thIs info with anyone unless you put it in writing.

That being said, keep in mind having sex is not a required subject in any school. Many girls choose to play it safe & work on their studies rather than get tangled up with guys who are only out for some quickie fun. It’s good you’re planning ahead – look into all the options…many women don’t want to be bothered taking pills every day -and if you miss one you have to use condoms until you are back on schedule. Consider an IUD – they’re quite safe & you are protected from day one. Then,when you’re ready for a baby it comes out in minutes. Just remember this:

NO FORM OF BIRTH CONTROL IS 100% PROTECTION AGAINST STDs!!! Genital warts,for example needs only skin to skin contact & there is NO cure for this nasty disease.

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