Is the baby covered at birth under insurance?
* Coverage varies by plan: Some insurance plans automatically cover newborns as dependents from the moment of birth. Others might require you to add the baby to your policy within a specific timeframe, like 30 days.
* State laws: Some states have laws that mandate newborn coverage for a certain period after birth, regardless of the insurance plan.
* Type of insurance: Coverage rules differ between employer-sponsored insurance, individual plans, and government programs like Medicaid.
To find out if your baby is covered at birth, you need to contact your insurance company directly. They can tell you:
* If your plan covers newborns.
* What specific coverage is included (like doctor visits, hospital stays, vaccinations).
* How to add your baby to your policy.
* Any deadlines or requirements for adding your newborn.
It's also a good idea to review your policy documents carefully for information about newborn coverage.
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