Health Insurance Coverage For Newborns

LAS VEGAS - April 25, 2024 - PRLog -- Having a new baby is a very exciting time, but it can also be overwhelming. Those first weeks and months of life bring a lot of surprises, but medical bills should not be one of them. Ensuring that your new baby is covered under your health insurance plan is key for avoiding hefty medical expenses.

Does My Health Insurance Automatically Cover My Baby?
The good news is that for the first 30 days after a baby's birth, their medical expenses are covered by the mother's or father's health insurance, as an extension of maternity care. However, on day 31, this coverage ends. In order to avoid a lapse in coverage and potentially end up with exam and vaccination bills, you need to add the baby to your insurance policy. Most insurance companies will add the baby to your policy back to your baby's birth if added within the first 30 days. Otherwise, your baby may go a month without coverage if you have not called to have your baby added before the 60th day after the birth of the baby. If you wait more than 60 days to call and add your baby, you will be out of luck, you no longer have a "life event". You'll need to wait until the next open enrollment period. Please call us or check with your HR at work for details.

What If I am Uninsured?
If you do not have health insurance, then you will have to pay for all the medical expenses, including prenatal care, the birth, post-natal care, and your baby's check-ups, out of pocket. Fortunately, there are options available that can help you avoid medical debt.

If you are not eligible for an employer-sponsored health insurance plan and you meet income qualifications, you and your baby may be eligible for Nevada Medicaid. If your income disqualifies you for Medicaid, then your baby may be eligible for health insurance through Nevada Check Up, which is Nevada's Children's Health Insurance Program. Another option is Obamacare. Due to the birth of the baby being a "life event", you CAN get health insurance for your baby, even if you didn't have health insurance prior to the birth of the baby. This insurance will be backdated to the birthdate of your baby. You'll need to act quickly to get the baby insured, time is of the essence.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com