How to get my new baby insurance?

Submitted by Anonymous (not verified) on Thu, 09/12/2013 - 07:26

I’m under my mom’s insurance and I’m going to give birth to a new guest within few months. How can I get insurance for my new baby? I believe he can’t remain under my mom’s.

Posted: 12 Sep 2013 02:19 Post Subject:

No, your upcoming 'guest' isn't allowed to be included in your mother's insurance policy.

Posted: 14 Sep 2013 01:44 Post Subject:

No, your upcoming 'guest' isn't allowed to be included in your mother's insurance policy.


Care to actually provide the OP with an answer to her question? Or will you leave it at telling her what she already knows?

Posted: 16 Sep 2013 06:47 Post Subject:

Hello Jennifer! Welcome to the forums and congratulations in advance!! :)

Can you afford a private one? Otherwise, go for the Children's Health Insurance Program (CHIP). It provides health coverage to nearly 8 million children in families with incomes too high to qualify for Medicaid, but can’t afford private coverage.

Learn more: http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Childrens-Health-Insurance-Program-CHIP/Childrens-Health-Insurance-Program-CHIP.html

Posted: 16 Sep 2013 07:04 Post Subject:

Contact various insurance companies. Take for instance, Blue Shield or Blue Cross and inquire about insurance coverage for single children.

In this case, you won't require a family policy. There is no need for you to get an insurance coverage prior to taking your child to a physician. However, any such visit to a doctor will have to be borne out of your own pocket, once your child is born.

If there is no child-only policy available in your area, then you may opt for the federal high risk pool. This is either provided by the state or federal government, depending on the state in which you are residing. For that, you may search here at www.pcip.gov.

Posted: 16 Sep 2013 12:26 Post Subject:

There is no need for you to get an insurance coverage prior to taking your child to a physician. However, any such visit to a doctor will have to be borne out of your own pocket, once your child is born.

How does one take her child to a physician prior to its birth? More useless advice from adamsarthur.

If there is no child-only policy available in your area, then you may opt for the federal high risk pool. This is either provided by the state or federal government, depending on the state in which you are residing.

In case you haven't heard the news, Obamacare is replacing these programs on 1-1-2014, and they stopped taking new applications months ago. Still more useless advice from adamsarthur.

Not to criticize, but Jennifer is obviously not taking much personal responsibility for herself. She is an unmarried adult living at home who is now pregnant. If her insurance coverage under her mother's policy is group insurance, it will cover the birth of her child and the child's medical expenses for up to 31 days.

After that, the child will not be insured unless Jennifer applies for individual coverage for the child. Fortunately, this coverage has been available as standalone, guaranteed issue since September 23, 2010. Or she could ask the baby's father to cover it under his health insurance.

Beginning October 1, 2013, Jennifer may apply for any of the available plans in her state's new Health Benefits Exchange, and because she probably has low income, will likely qualify for premium tax credits, but will have to stop receiving coverage under her mother's insurance plan in order to get the tax credits. That coverage will not begin until January 1, 2014.

Posted: 16 Sep 2013 02:08 Post Subject:

If we are to give all the correct answers, then why are you here, Max?

Posted: 16 Sep 2013 03:42 Post Subject:

The problem adamsarthur is that your posts rarely provide answers, and those that come close do not provide the correct ones. As in the one above.

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