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How do I get insurance for my newborn if I'm still a minor and under my parents insurance?

Author : Kim

Submitted : 2018-02-25 02:02:10    Popularity:     

Tags: newborn  insurance  parents  minor  

I'm 17 years old and about to give birth in a few months. I am covered under my parents insurance and my whole pregnancy is covered under the insurance. Now once my baby comes out will my baby be able to be under their insurance as well ? I understand

Answers:

The baby cannot be on their insurance.

The baby can (and probably should) be on its own father's insurance.

Some employer plans allow grandchildren so if you're on your parents plan have them check. If not, check if they can be covered by Medicaid or CHP+ since you're a minor. Last choice is a solo plan for the baby, probably through an ACA marketplace if your state has one.

Can't be on your parent's plan. Hopefully the father has his own plan and you can add the baby to that plan.

Your parents cannot add a grandchild to their health policy, so you will need to get coverage on your own. And that starts the moment the child is born. If the child is born with health issues, you will have MAJOR problems.

you no doubt are still living in your parents' home and your child will also, your parents' should be able to cover the child with insurance

Your baby cannot be on her grandparent's plan unless the grandparents formally adopt the baby.

The baby can be on her father's plan and can be added to his plan on the date of birth.

You might be able to get on your own plan before the birth and add baby to that plan on the date of birth. However, chance are you cannot get on your own plan before then unless your current policy has an open enrollment period, and even if you did that'll cause problems with the billing. It could be months if not years before the doctors and hospital gets paid by the 2 different insurance plans. The big problem with that is the doctors and hospital won't wait and they'll expect you to pay out of pocket.

Depending on your household income you might qualify to put your baby on welfare and she'll be covered the date of birth. One of those welfare plans is the Children's Health Insurance Plan, or CHIP, and depending on income it could be free or a very low cost.

If you wait until after the birth to get your own plan and to add baby to that plan you'll have a period where baby won't be covered because you can only get a plan starting the first day of the month. So if baby is born on the 10th you'll be 20 or 21 days without coverage.

Pay a premium.

Unless you give your parent's guardianship, your child cannot be covered under your parent's plan.
Only spouses and children can be covered.

If you are not 18, you will not be able to purchase your own policy.
You also might not be able to purchase insurance outside of open enrollment.

Can the child's father put the newborn on his plan?

Get you or your parents on the phone now and ask the insurer, only their opinion is the ones that counts.



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