Welcoming a new child is a joyful and unforgettable experience. It’s a time to celebrate new beginnings, create lasting memories, and nurture your growing family. As you embrace parenthood, your bonds will grow stronger, and your heart fuller, with each new chapter.
As you adjust to life with your new addition, it’s important to update your health insurance coverage. Employees typically have 30 days from the arrival of their child to update their benefits to ensure the child is added to their health plan. The arrival of a new child is considered a Qualifying Life Event, allowing you to make changes to your health insurance outside of the regular open enrollment period. If you have any questions or need assistance, reach out to your HR team for guidance.
Helpful Tips For Adding Your Child to Your Healthcare Plan
1. Check Coverage
Most health plans cover newborns automatically for the first 30 days. You still need to officially add your baby within this period.
2. Notify Your Insurance Provider
Employer Plan: Contact your HR or benefits department for assistance with adding your baby to your healthcare plan and any related benefit questions.
3. Provide Necessary Information
Birth certificate (or hospital record).
Social Security Number (if available).
4. Review Your Coverage
Check Benefits: Ensure your plan covers key services for your child, such as well-baby visits, vaccinations, and pediatric care.
Understand Costs: Review any changes to your premium or out-of-pocket expenses. Adding a child may increase your monthly costs.
Coverage Limits: Confirm whether there are any age limits or exclusions for newborn care, especially for vision, dental, or specialist visits.
5. Confirm Coverage
After adding your child, confirm that they’re listed on your policy and check if you need new insurance cards.
6. Stay Within the Deadline
You usually have 30 days from the birth to add your baby, so don’t wait too long.
Have questions about adding your child to your healthcare plan?
Please contact your HR or Benefits department for more details.