Congratulations on your new addition! The first thirty days go by fast when your life consists of diapers, feedings and naps. Along with registering for a birth certificate and applying for a social security number, you are also required to enroll your baby in health insurance. Your insurance plan does not automatically do this for you. So, you’ll want to make sure you stay ahead of this time sensitive task by discussing requirements early on with your Human Resources Manager.
The birth of a child is a “qualifying event” allowing you or your spouse to update benefit coverage outside of your employer’s annual open enrollment. A newborn’s initial charges are typically included under mom’s plan until discharge. After that, you have 30 days from the date of birth to enroll your baby. The newborn’s benefit effective date will be retroactively set to its date of birth. You will be expected to start making premium payments for coverage starting the first of the next month.
Once enrolled, you’ll be able to take advantage of the following preventive services at no cost when utilizing an in-network provider:
- well-baby visits
- sensory screenings (i.e. vision, hearing)
- behavioral assessments
- scheduled immunizations