Go Back

Adding a Newborn to Your Health Insurance Plan

May 18, 2023 by Jay


If you’re here, you’re likely embarking on an incredible journey, either anticipating the arrival of a bundle of joy or having recently welcomed one into the world. With so much to navigate, especially for first-time parents, the journey can feel a bit daunting.

One crucial aspect you might be trying to figure out is adding your baby to your health insurance. Good news: If you have a comprehensive health insurance plan, this process can be relatively simple, but time-sensitive.

Ready to dive into the specifics? Let’s go!

Bringing Your Newborn on Board

Comprehensive health insurance typically provides coverage for your child from the moment of birth. However, this may not apply if you hold a short-term insurance policy or a catastrophic health insurance plan.

Typically, you should enroll your baby in your health insurance within the first 30 days after birth. If you’re expecting soon, it’s a good idea to connect with your insurance provider ahead of time to prep for the enrollment. But if the baby’s already here, hustle up, gather all necessary documentation, and make sure you’re within that crucial 30-day window.

Why the 30-day timeline?

Childbirth is considered a qualifying event by most comprehensive health insurance policies, permitting you to add your baby to your policy as a dependent and even alter your current plan. This window allows you to evaluate whether your existing plan still fits your expanded family needs or if it’s time for a change.

Incorporating Your Baby into Your Existing Plan

You can include your newborn in your existing health plan. It’s critical to understand the benefits and potential costs involved. Ensure you grasp what the deductible, out-of-pocket maximum, and coinsurance will cost for your little one.

Once enrolled, coverage for your baby may include routine check-ups, procedures, and other medical needs. Notably, most health plans cover your newborn retroactively. This means any consultations and procedures carried out before your baby was officially enrolled will be covered.

To add your newborn, you’ll need to prepare two key documents: the newborn’s birth certificate and social security number. If you bought your plan personally, notify your provider about your new addition and your wish to add them to your policy. If you obtained your health insurance through your employer, you might need to liaise with your company’s HR department.

Considering a Different Plan Altogether

As we’ve mentioned, the arrival of your baby is a qualifying event. If your current health insurance plan seems insufficient now that your family has grown, it may be time to reevaluate.

Use this period to compare your existing policy with other available options. The ideal health plan pre-baby might not fit your needs now that you’re caring for an additional family member. This is an opportune time to seek a better plan that caters to your expanded family’s needs.