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When preparing to introduce your child to the world, you will have to introduce your child to health insurance as well.  New babies require many physician check ups and immunizations and it is necessary to make sure that you have adequate health insurance coverage to meet these needs of your new child.  If you have a health insurance plan or are searching for a health plan, there are a few things you need to check, 1) confirm that the delivery and new baby care are covered, 2) verify that well-baby visits, check ups and immunizations are covered, 3) if you have a preference for a physician for your child, whether it be a pediatrician, family practice physician or other type of physician, make sure that this physician is part of your health plan's network (if HMO, PPO or POS) and 4) verify the coverage of a specialist in case one is needed.  

When your new baby is born, make sure you add your child to your health plan within the first 30 days of birth (check with your health plan to confirm the number of days you have to do this.)  Usually, a health plan may cover the care of a new baby for the first days of their life, usually 30 days, but will deny coverage after this period unless the parents add the child to the plan.  There have been instances when parents forgot to add their child to their plan or they assumed that their child would be automatically added to their plan, and then, unfortunately found out that there was no coverage for their child.  

If you would like to search for a health plan for you and your New Baby please click here for a free quote.

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