The majority of parents expecting newborns collect information about insurance options for the newborns. The new parents must know those rights as they become responsible for the new life or lifes (expecting twins and more).
It is very useful to know that the health care law reform allows to stay children under 26 on the parent’s health insurance policy. The law doesn’t apply on grandchildren. Also children under 19 with pre-existing medical conditions should receive an appropriate health care.
There are several ways to receive the health insurance for the newborn.
To add the newborn to the Employer Insurance Plan.
The big and medium corporations usually offer the special option for the employees. Depending on the contract between your Employer and Insurance company, you may have the number of benefits that may include well-baby visits, immunizations and other services at out-of-pocket costs or at preferential prices. The Human Resources departments of your company should provide all necessary information on your newborn baby Insurance.
To add the newborn to the Individual Health Insurance Plan.
This type of insurance plans can provide medical coverage for individuals and families. According to the 2010 Affordable Care Act these plans were changed due to the cancellation of lifetime coverage limits for the basic medical services.
In order to add your newborn to the Individual Health Insurance Plan, you need to contact your insurance agent, who has all information. Do not forget, that you should add your newborn during 30 days following birth. The adults of the newborn baby to be included into the insurance should be 19 years old and over.
Individual Insurance Plan.
This kind of Plan available for the children under 18 if baby parents or guardians are not included in the same policy. Also insurance policy depending on the state of the location of the child. You can get this information contacting state department of insurance agent, who should have all necessary information.
State Health Insurance Program.
Medicaid is a government assistance program. The availability to use this program depends on your income. Depending on the state you can use some special local program. In order to get all necessary information, you need to contact state department of insurance.