Health insurance for newborns

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Tue Jun 08, 2010 7:25 am   Post subject: Health insurance for newborns  

Is there any insurance protection for newborns? Will it affect my health insurance cost or it's benefits in case I add my newborn to my own policy?


_________________
Register Now to have your Insurance queries solved.
Tampaflgi
Guest







PostPosted: Tue Jun 08, 2010 12:04 pm   Post subject:   

Well of course it's going increase your premium, you're adding another insured to the policy.



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Tue Jun 08, 2010 10:57 pm   Post subject:   

If you have current coverage, just about every state mandates automatic coverage for newborns and adopted children. This coverage begins immediately upon birth and covers all medical issues of the child, including any congenital or birth defects, etc. Adopted children are normally covered from the moment of placement into your home.



You are generally required to report the event to your insurer within 30/31 days to continue the coverage without interruption. If there is additional premium to be paid, it must also be paid within this period of time.



If your state adheres to these rules, and it probably does, there can be no exclusionary language attached to the child, such as exclusions for any pre-existing conditions, waiting periods, etc.



You need to let us know what state you reside in and whether you have any current medical coverage, and if so, EXACTLY what coverage you have and through whom. Individual policy? Group policy?



This info will help us help you!



InsTeacher Cool

InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Wed Jun 09, 2010 7:35 am   Post subject:   

I'm from FL and I have health coverage through my employer. I work for 40 hrs a week.


_________________
Register Now to have your Insurance queries solved.
Tampaflgi
Guest







PostPosted: Wed Jun 09, 2010 6:56 pm   Post subject:   

Tampaflgi, thanks for the response. Here's a quote taken directly from the Florida statutes, specifically Title XXXVII, section 627.6575 Coverage for newborn children. It states (look for the emboldened portions that follow):



Quote:


(1) Any group, blanket, or franchise health insurance policy providing coverage on an expense-incurred basis that provides coverage for a family member of the certificateholder or subscriber, or any group, blanket, or franchise health care services plan contract issued by a nonprofit corporation that provides coverage for a family member of the certificateholder or subscriber, must, with respect to the family member's coverage, also provide that the health insurance benefits applicable for children will be payable with respect to a newborn child of the certificateholder, subscriber, or covered family member from the moment of birth. However, the coverage for a newborn child of a covered family member of the certificateholder or subscriber terminates 18 months after the birth of the newborn child.



(2) The coverage for newborn children required by this section consists of coverage for injury or sickness, including the necessary care or treatment of medically diagnosed congenital defects, birth abnormalities, or prematurity, and also includes transportation costs of the newborn to and from the nearest available facility appropriately staffed and equipped to treat the newborn's condition if the transportation is certified by the attending physician as necessary to protect the health and safety of the newborn child. The coverage of transportation costs may not exceed the usual and customary charges, up to $1,000.



(3) The benefits required by this section also apply to holders of group certificates delivered or issued for delivery to residents of this state under group policies effectuated or delivered outside this state.



(4) A policy or contract may require the insured to notify the insurer of the birth of a child within a time period, as specified in the policy, of not less than 30 days after the birth. If timely notice is given, the insurer may not charge an additional premium for coverage of the newborn child for the duration of the notice period. If timely notice is not given, the insurer may charge an additional premium from the date of birth. If notice is given within 60 days of the birth of the child, the insurer may not deny coverage for a child due to the failure of the insured to timely notify the insurer of the birth of the child.



(5) If the policy or contract does not require the insured to notify the insurer of the birth within a specified time period, the insurer may not deny coverage for such child or retroactively charge the insured an additional premium for the child. However, the insurer may prospectively charge the insured an additional premium for the child if the insurer provides at least 45 days' notice of the additional premium required.



(6) This section does not apply to disability income or hospital indemnity policies or to normal maternity policy provisions applicable to the mother.




So, it looks as if Florida law (pretty much like other states) will cover the kid from the moment of birth. Make sure that you check your coverage for any specifics that may apply, but it looks as if all is good.



Hope this helps!



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Thu Jun 10, 2010 10:17 am   Post subject:   

In some cases your state laws will decide your rights, otherwise the Newborns' Act may apply. There are states that have regulations to cover the newborns and their mothers. You must go through your own policy and check if hospital-stays are shown as benefits to child birth.


_________________
Register Now to have your Insurance queries solved.
anonymous00
Guest







PostPosted: Thu Jun 10, 2010 10:21 pm   Post subject:   

Like I said, and answered in my last post, it's state specific. Specifically, I quoted the OPs state of residence.



InsTeacher Cool

InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Fri Jun 11, 2010 5:39 am   Post subject:   

What's this Newborns' Act? I guess you're pointing at the Newborns' & Mothers' Health Protection Act. It's aimed at covering newborn babies and their mothers through their stay at the hospital.



_________________

AmPmInsure Blog
sil
Community Writer
Leave a quick message



Joined: 30 Sep 2005
Posts: 483


89.49 Dollars($)

PostPosted: Fri Oct 29, 2010 5:14 am   Post subject:   

The coverage period begins starting from the moment of delivery, and since that time the mother is perfectly entitled to claim complete or partial compensation of her costs connected with delivery and medical care for the child.

Check with your medical care insurance provider if childbirth is enrolled into your group health plan or work out your individual health plan more elaborately, taking into account the great possibilities of maternity medical aid cost decrease.



(Link deleted, ONCE AGAIN, by Moderator: InsTeacher per Terms of Use violation... again)



To This POSTER: Please read the PM that was sent to you... you are on warning that there can be no more violations of the Terms of Use or your membership privileges will be terminated immediately

Milfordct
New member
Leave a quick message



Joined: 24 Oct 2010
Posts: 31

Location: Milford CT
8.70 Dollars($)

PostPosted: Sat Feb 12, 2011 1:21 am   Post subject: no coverage  

I gave birth to my child on 1/5/11. I've received a bill from the hospital today 2/11/11 for $9,000. with my child's name. I sent a bunch of documents to my healthcare provider and now they are telling me that i did not enroll her within 30days. I thought that would be done automatically since insurance company was aware that i gave birth. I will have coverage for her next month.

My question is.....will insurance pay for my child'd bills from birth to the time she is enrolled under my plan next month? I live in NY.

Thank you.


_________________
Register Now to have your Insurance queries solved.
insurance problem
Guest







PostPosted: Sat Feb 12, 2011 11:31 am   Post subject:   

I understand your concern. In NY, an insurer may need you to get your child enrolled within a period of 30 days, so that the new born stays covered beyond that period. Please go through the insurance paperwork (if any) and get it confirmed. Have you discussed it with your agent?

jeorge
Senior member
Leave a quick message

jeorge

Joined: 07 Oct 2005
Posts: 798


132.87 Dollars($)

PostPosted: Sat Mar 05, 2011 2:04 pm   Post subject:   

it's ain't gonna be cheap I can guarantee you that!

FlHealthGuy
New member
Leave a quick message



Joined: 27 Nov 2010
Posts: 6


1.35 Dollars($)

PostPosted: Tue Mar 08, 2011 12:55 am   Post subject:   

Quote:
it's ain't gonna be cheap I can guarantee you that!




Why would you state that? I'm kind of curious as to why you would unequivocally say that it's going to be really expensive. I would tend to argue that point...



InsTeacher Cool
InsTeacher
Forum Expert
Leave a quick message

InsTeacher
Forum Expert

Joined: 13 Aug 2007
Posts: 1398

Location: Oregon, USA
127.26 Dollars($)

PostPosted: Sat Apr 28, 2012 11:49 pm   Post subject:   

Quote:
search for a provider that has policies specific to newborns and infants.


And what would make you think a single policy to cover this situation would be LESS costly than adding the child to an existing policy? Besides, newborn children are automatically added (no proof of insurability) when requested to the insurance company within 30 days of birth.


_________________

CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
MaxHerr
Forum Expert
Leave a quick message

MaxHerr
Forum Expert

Joined: 29 Nov 2009
Posts: 7888

Location: Pomona CA
107.54 Dollars($)

PostPosted: Tue Jul 31, 2012 2:28 am   Post subject: PfNIGeROtUEDrkv  

A Massachusetts law that requires all state redetinss to obtain health insurance took effect Sunday, USA Today reports. Under the Massachusetts health insurance law, redetinss with annual incomes below the federal poverty level are eligible for no cost care. Residents with annual incomes up to three times the poverty level can enroll in state subsidized plans, while those with incomes more than three times the poverty level can choose their own coverage from new, lower cost private plans if they are not offered coverage through their employer. Officials estimate that 60,000 people will be exempt from the insurance requirement because they will not qualify for subsidies but will not be able to afford other coverage options.--------------------------------------Reeta


_________________
Register Now to have your Insurance queries solved.
Presley
Guest







Quick Reply
Your Name
Subject
Message body
All times are GMT
1, 2  Next  
Page 1 of 2


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused