After Giving Birth, Health Insurance for my Baby

by AdminJ on September 9, 2009

After I give Birth how will health Insurance work for my baby?

Many pregnant woman wonder what will happen with their health insurance after they have a baby. How will their baby be covered? How much time do you have to get your baby their own policy?

When a woman just gave birth the last thing on a mothers mind is to get their baby health insurance. But a lot of expecting mothers have asked me what to do to make sure the baby is covered for the hospital stay and services done within the first few weeks.   Mothers are surprised to hear that most Carriers will give you 30 days to add your baby to your coverage. Anthem Blue Cross actually gives you 60 days until your baby will be uninsured.   A new born will be covered under your policy for everything that your plan covers for. The law requires insurance carriers for  a regular delivery to allow and pay for a hospital stay of 48-hours for the newborn and the mother. Cesarean is usually a 96-hour hospital stay. This is “Newborns Act”. Newborns and Mothers Health Protection Act will protect mothers and newborns with the length of the hospital stay following birth. This law was put into effect in 1996.   When you do add your child on your plan all you will need is the birthday, name and sex, pretty simple.

If you would like to review your current coverage or have any questions, please give me a call anytime toll free, 877-707-9898.

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{ 1 comment… read it below or add one }

Liza September 23, 2009 at 9:07 am


I am planning to give birth in January in California. I have no maternal insurance, so I pay out of pocket for everything. Is there any way to cover the newborn from the moment of the delivery, for his stay in the hospital and – whatever he may need?


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