Perhaps one of the most significant changes to your life will occur when a child is born. There is so much to think about and plan for, including everything from stocking up on diapers to painting the nursery. While your to-do list is likely long and complex, do not forget that this is also an important time to update your family's health insurance. (You typically have 30 days from the date of birth to add your child to your health insurance plan.) The good news is that if you have health insurance, adding a child to the plan may not be a fairly simple task.
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Contacting Your Existing Provider
Your doctors are likely to provide you with a range of information and updates about your insurance coverage when you begin to schedule appointments with doctors. However, it is a good idea to call your health insurance provider at this time and discuss what your coverage offers.
- What type and number of preventative care services are available to you?
- What types of testing are a part of the plan?
- What doctors are a part of your plan?
- Which hospitals and medical facilities are covered?
- Can you choose (and have the health insurance plan cover) any type of alternative care?
Your insurance provider will work with you and ensure you have all of the coverage you need as you plan for baby's arrival.
After Your Child Arrives
Adding your child to your existing health insurance plan or picking up a new plan that provides your entire family with coverage is not difficult. Keep in mind that you will want to carefully consider your policies to ensure they offer the most comprehensive protection for your child and as much preventative care as possible.
It's time to plan for your baby and get your health insurance plan up to date on these services. The good news is you will feel good about knowing your child is covered and that you don't have to worry about who is going to pay for those medical bills when the time comes to delivery. If you are not happy with the coverage you have, now is the time to update it.