Reply to should we switch to family insurance coverage now?

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Reply to "should we switch to family insurance coverage now?"

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[quote=Freeman][quote=Anonymous]You should check with HR but most places have a 30 day window after the birth of a child to get on the insurance. Most group plans that include maternity care include newborn coverage for 30 days after the birth, and in that time you contact your company and they put your baby on your plan.

Never hurts to check, but this is a fairly standard thing and it's not like babies are only born during open enrollment![/quote]

I've seen similar statements about newborn coverage for 30 days after birth, but from what I've read of most plans, that isn't entirely accurate. For every plan I've had, you have 30 days to add a newborn to an insurance plan, at which point they will be retroactively covered from birth. However, if you do not add them to the plan, then they get no coverage at all. That is very different from actual coverage for 30 days after birth. You should always check with your particular insurance plan to be sure of how it will work.

As for the actual question, I would contact your benefits people and discuss the options with them, since it really depends on how your plan is managed.[/quote]

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