Can I Get Health Insurance For My Newborn?

1. 

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   Scott Eckley

   Apollo Insurance Group, Kansas City, MO

   First Congratulations! Second, yes absolutely you can purchase health insurance for your newborn. However, there are rules that only allow you do so within so many days. So there is a clock running. Now there are different ways to go about getting that coverage in place. One approach may make it much more affordable than others for you and your situation. The last 9 months have seen a litany of new steps and rules for each of us to navigate in order to purchase insurance. Please call our office for one on one guidance through the process. You can reach me at 913-279-0077.

   Answered on September 3, 2014

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   Marlin McKelvy

   President, Consumer Directed Benefit Solutions, Memphis, Tennessee

   Yes, you can. What kind of health insurance you can get your newborn will depend upon your circumstances but your ability to qualify for and to be offered coverage are guaranteed by law now. If you or your spouse are employed and have health insurance through your employer then you may want to add the child as a dependent on your group coverage. Your child can also qualify for an individual health insurance policy that is guaranteed to be issued and that cannot have any pre-existing conditions limits or exclusions. And, depending upon your income level, your newborn may qualify for health coverage under government programs such as the Children's Health Insurance Program (CHIP) or Medicaid. Whichever way you go to get health insurance coverage for your newborn get the child enrolled within 30-days of their birth.

   Answered on September 3, 2014

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