You've found out that you are going to have a baby. It is an exciting time filled with numerous new steps and a lot of new opportunities. Though many families do not initially think about their health insurance just after learning they are going to have a child, it may pay to do so. Adding a baby to your health insurance is not always the easiest process. However, the Affordable Care Act aims to make it a bit more accessible and easy for you to do this. Ensuring your child has access to high quality health insurance is, of course, very important.
When Can You Add Your Child?
First, recognize the fact that just because you are pregnant and getting care from a doctor for the birth of your child does not mean that your health insurance policy can automatically add your new child to it after he or she is born. It just does not work that way. You might need to call your insurance provider and inform them over the phone that you have had a child and that this child should be a part of your plan. It is not hard to do, but it is a step you can need to take in the weeks leading up to your child's birth (and then again after your child is born).
The good news is that the Affordable Care Act does not limit when you can do this. Having a baby is considered a "qualifying life event." That simply means that the Affordable Care Act's normal annual enrollment period does not apply in this situation. You can enroll your child at any time.
In most situations your existing health insurance plan should require that you add the child to your plan within 30 days of his or her birth. Do not wait longer than this. More so if you are planning to buy a new policy through the Affordable Care Act, be sure to plan in advance for this. You'll be able to cover the child generally retroactively up to his or her birth for those first 30 days. The Affordable Care Act makes it easier for you to obtain the health insurance your child needs in this way.
Learn more about your options. Call Simpson Financial Groupat (877) 727-7780 for more information on Boston health insurance.