How to add a baby to health insurance

Health insurance is vital for your overall health and well-being. Without coverage, the cost of preventative and emergency healthcare can be exorbitant. If you have insurance coverage, however, the cost of healthcare can be significantly less expensive. But not everyone has access to insurance. If your brother or sister is uninsured and you are, you may be wondering if you can add him or her to your plan.

The good news is that adding your sibling to your health insurance is possible; however, the majority of providers will only allow extend coverage to siblings if certain circumstances apply.

Your Sibling Must be Your Legal Dependent

In order to add your brother or sister to your health insurance plan, he or she must be your legal dependent. In other words, your sibling must reside in your home and you must be his or her primary caretaker; he or she relies on you financially and you provide the care that your sibling needs to maintain a quality of life. For example, if your sister is disabled and you are her primary caretaker, you would be permitted to add her to your health insurance plan.

Meeting the Necessary Criteria

How to add a baby to health insurance

In order to certify that your brother or sister is dependent on you, both you and your sibling would need to meet qualifying criteria.

If you and your brother or sister meets the following criteria, you may be able to add him or her to your health insurance plan:

  • Your sibling is not enrolled in school and is under the age of 19
  • Your sibling is enrolled in school and is under the age of 24
  • Your sibling suffers from a permanent disability
  • He or she has been living with you for a period of 6 months or more and has been unable to provide at least half of the support that he or she requires
  • Your brother or sister isn’t claimed on someone else’s taxes as a dependent
  • His or her gross income must be lower than $4,050 a year
  • You provide more than half of your brother’s or sister’s yearly income
  • You claim your brother or sister as a dependent on your taxes

If you and your brother and sister meet all of the above-mentioned criteria, it may be possible to add your sibling to your health insurance plan. However, do make sure that you check with your provider, as not all companies will cover siblings, despite their status as a dependent. Furthermore, if your health insurance provider does allow you to add your sibling to your policy, you will likely have to do so during a specific enrollment period. If you should miss this period, you will have to wait until the following year to add your brother or sister to your plan.

To find out if you can add your sister to your health insurance policy, speak to a representative from your insurance company.

Other Options

Whether your sister or brother can’t be added to your insurance policy because your provider will not permit it, or if you and your sibling to not meet the dependent criteria, there are other options available that may grant him coverage:

  • Adoption.You can add your sibling to your health insurance plan if you legally adopt him or her. To do this, your brother or sister must be under the age of 18 and you will need to meet strict criteria.
  • Guardianship. Legal guardianship is similar to adoption in that you will be legally responsible for your brother or sister until he or she is 18 years of age. In order obtain legal guardianship, your sibling will have to be under the age of 18 and you will also have to meet strict criteria.

If you are able to adopt or obtain guardianship of your brother or sister, legally, you will be allowed to add him or her to your health insurance policy. However, do make sure that you speak to your insurance provider, as again, there may be stipulations. For instance, there may be an enrollment period, which is the only time that you will be able to add your sibling to your policy.

How to add a baby to health insurance

If you just have or are planning to have a baby in the United States, there are plenty of things to take care of. Besides the actual pregnancy and birth and getting all things baby ready in the house, you also have to make sure that bureaucracy is sorted.

That means, for example, getting the baby a birth certificate, a social security number, and of course, ensuring that he/she has medical insurance coverage.

If you thought that babies got included in their parents’ insurance plan automatically, then think again. You need to actively request for coverage.

It may feel like a lot of work, and it is if you consider that new parents are often multitasking and sleep deprived. Take a deep breath and keep reading for easy-to-follow instructions on getting your baby insured.

Is My Baby Qualified for My Health Insurance?

The good news is Yes, if you have comprehensive health insurance, your baby can be covered by the moment he/she was born. This does not apply to short-term plans and catastrophic plans, though.

The process is not automatic, even though your insurance company has paid for your pregnancy-related visits and medical bills. You do have to seek them and actively ask for your baby to be included in the health insurance plan.

How to Add a Baby to Your Insurance Plan

Get in touch with the insurance company (a simple phone call is enough to start with) or contact your HR department at work if you got your health plan through your job. Let them know that you just had a baby and that you would like for them to be added to your plan and do not forget to ask about potential costs.

Remember: insurance covers your newborn retroactively from the moment they were born so all the procedures and checkups they have had until now are covered.

When to add a newborn to a health insurance policy>

The sooner the better. In fact, the window is pretty tight, ranging from 30 to 60 days from the birth depending on the health plan.

Having a baby is a qualifying life event: this means that you can apply for your baby to be added to the plan immediately, even if it is not open enrollment.

Can I Switch Health Plans when Having a Baby?

You can take advantage of this qualifying life event and decide to switch health insurance plans altogether if you think that a different deal would be better for you and your child, either because of better financial terms or because of more extensive coverage, for example.

Compare marketplace plans or check out the options with the employer. Either way, remember that you still have to make the switch within the window highlighted above and that your child will enjoy retroactive coverage.

Health Insurance for Babies: Documents Needed

Fortunately, it does not take a long time to get coverage for your newborn and you will only need a few documents:

  • Your baby’s social security card
  • Your baby’s birth certificate

Many health insurance companies only request one but it is best to have both at hand when you call your provider or speak with your HR rep just in case.

You should have received your child’s social security card in the mail after giving birth. If you have not received it yet and a reasonable amount of time has passed, contact the facility where you gave birth. Normally, parents fill the relevant forms there and then the facility submits them.

Your health insurance provider usually has access to the newborn’s birth records as they need information such as the place and date of birth, full name, hospital records, etc. If they do not have this information, you may need to give them a copy of your baby’s birth certificate.

Please note: different providers will have different processes in place to add a baby to the health insurance plan. While many companies allow you to add your child by phone, for others, you may have to fill out an enrollment form online or else. Please contact your provider in advance so that you know exactly what steps you need to take.

How to add a baby to health insurance

A baby is considered the most precious gift to a family. All that enthusiasm is obviously too much to handle with the newborn. You get overwhelmed by just holding the tiny one. But among all these excitements, one thing you must consider before anything else is to add the baby to a health insurance plan.

With the little addition in the family, life is changing a lot as you have to balance between your work life and the new personal and financial responsibilities. Hence, we often tend to skip the health coverage subject regarding the infant, but this is something to be handled with the utmost care and urgency.

Most of us already have a health insurance plan for the family. But does your baby automatically get enlisted in the health coverage list, or you have to follow any specific procedure to make that happen? Or should you change the health plan entirely? Several questions might be going through your mind right now!

However, don’t be too anxious! Adding your baby to your health insurance plan is not a complicated thing to do. You just have to follow some steps to make sure your baby is enrolled in your health coverage scheme.

You should follow these steps to add your baby to your health insurance plan.

Make contact with your insurance company:

The first step is to contact your insurance company as soon as possible. You may have a few days’ slot to do that, but it can easily slip from your mind, causing big problems for you in later days. These days, most healthcare services have their own App for easier functional purposes. Just download their app or directly call at their customer service.

Provide them with mandatory paper works:

Normally most insurance careers can easily retrieve birth documents of your newborn via their online system. But you need to make sure they have all the data like birth certificate, hospital records, birth date and time, etc. to start the insurance process. Collect all the evidence for validation and submit them yourself.

Fill out the necessary forms:

One of the most important steps of this process is fulfilling the application form for your baby. You can collect the form from your insurance agent, along with the instructions about how to fill it up. If adding your newborn increases your health care premium, you must submit the extra forms within a year from your baby’s birth-date.

Confirmation of baby’s registration:

Now that you have completed the important documentation for your baby’s health care coverage, your insurance provider will contact you after the procedure is done. You should hear from them within a week or two following your form submission date. If not, get in touch with them to know about your enrollment status.

How Long Do You Have To Add A Newborn To Your Insurance Policy?

First of all, according to your health insurance rules and regulations, your baby should be included in the health plan the moment he or she was born. But you must notify your insurer about the infant’s birth for official procedures within a certain time period.

Usually, a newborn will have thirty days before the enrollment days go up. The baby parent’s insurance covers for the first month. But if you don’t enroll him by the time, he would lose the health benefits. In addition, you may have to pay a penalty for each uninsured child.

The thirty days window is also applicable if you want to switch to another health plan, based on your convenience. This is a possibility as your existing health insurance plan will be more expensive if you add your baby to that plan. Later, you can change the arrangement to suit your affordability.

How Much Does It Cost To Add A Baby To Health Insurance?

Parents with no health coverage can choose a child-only insurance plan with a reasonable costing. And even if you have health insurance, you can also choose a separate policy instead of adding the baby to the current one. With the second or third baby, you can always change your plan to a group or family scheme, as the premium amount will be much less than the first one.

Each insurance company has different types of schemes with specific costing. Search these and see which one is the most fitting for your baby. You will find numerous plans with discounts based on your paychecks. Special rates are available for expecting females with low income.

Can You Add A Baby To Insurance Without A Social Security Number?

Yes, you can. Birth of a baby is considered as a qualifying life event. Within the first 27days after the birth, you need to enlist the baby as a dependent. As newborns don’t get their social security number for many days, you can add your baby to your insurance without SSN.

How Do I Add Someone To My Health Insurance?

If you want to add someone to your health insurance plan, there are some specific measures to do that properly. You can add a dependent, spouse, or domestic partner by providing some compulsory information. But first, you need to inform your insurance provider or the HR of your company in case of employer health coverage.

Next, the enrollment form has to be fulfilled properly. You have to attach some evidential documents like marriage certificate, birth certificate, Social Security Card, etc. for the verification process. After submitting the application form, your insurer will contact you to update you about the application status.

Adding A New Baby To Your Health Insurance:

Health care of a baby tends to be more expensive because of the extra medical service and facilities a baby has to receive. Adding the newborn into an insurance plan will cut down the costing a good deal. But delaying the process might cause you to pay a lot more than you thought. You have to pay fine as well for not fulfilling your responsibility.

Final Words

In general, adding your baby to health insurance can save you plenty of expenses if planned properly. Whether it is your newborn child, your spouse, your family, or yourself, make sure you have chosen the suitable health coverage to back you up in the long run.

Having a baby is one of the happiest days of your life. However, having a baby also raises a lot of questions for new parents. One of the questions that we at the Marino Agency Inc., serving the Mt. Ephraim, NJ area, is how quickly do you need to add a new baby to your health insurance policy. Here is some information you will want to know.

Your New Born and Health Insurance

In most cases, you have 30 days to add your new baby to your health insurance policy. If you fail to add the child to the policy during this time, you may give up the right to add the child to your health insurance plan until the next open enrollment period.

If you are hospitalized for a serious condition after the birth of your child, or your child is hospitalized, you may be able to get up to 60 days to add the child to your health insurance policy. However, it is best to ask before assuming that you can do this to ensure you add your child within the correct period of time.

It is important to note that different health insurance plans have different requirements. If you are expecting a child, take the time to call your health insurance company and ask how soon you need to add your baby and what information you need to provide to add your child.

Having a baby is considered a life-changing event, allowing you to change your existing health insurance or buy a policy if you do not yet have one. If you are looking for a new health insurance policy, contact Marino Agency Inc., serving the greater Mt. Ephraim, NJ area, now for a quote.

How to add a baby to health insurance

HR professionals at organizations that employ new parents may find themselves fielding near-countless questions related to benefits and health insurance for their bundle of joy. From how to sign up a new baby for health insurance to questions about qualifying events, keep your employees informed with this handy guide to newborns.

Is the Birth of a Child a Qualifying Event?

Yes, having a baby is considered a qualifying event . When a qualifying event occurs, the primary insured individual qualifies for a special enrollment period (SEP) where they can make adjustments to their health insurance.

According to …

  1. Job-based health plans must provide employees with an SEP window of at least 30 days.

For people with Marketplace health coverage, the SEP window is 60 days after the birth of the child/children.

How Parents Can Add a Newborn to Their Health Plan

If a parent decides to put their newborn on the organization’s health plan, they can call the insurance company to make this adjustment. To make this happen, employees will need:

  1. The child’s birth certificate
  2. The child’s Social Security Number

Alternatively, employees who have a health plan through their job can also add their child to an existing plan by notifying HR. In some cases, HR will be required to manually add the newborn to the plan on behalf of the parent. Other companies may use a human resources information system (HRIS) that permits employees to enroll their children using an online benefits administration portal .

Can Babies Be Covered by Health Insurance Before They’re Born?

No, but babies are covered retroactively for the first 30 days after birth as long as the child is enrolled in health insurance during this timeframe. This includes checkups, tests, and other medical procedures.

Additionally, the newborn will have their own deductible, coinsurance, and out-of-pocket maximum.

How Parents Can Switch Health Plans After the Birth of a Newborn

In addition to making changes to their existing benefits plan, a qualifying event also permits parents to switch health plans entirely during the SEP. For example, a married couple who just had a baby may decide to move from the health insurance plan provided by one person’s employer to the plan provided by the other person’s employer.

Having a child is expensive. Employees may inquire about costs during this process, especially if they’re choosing between their current health plan and an alternative.

As HR, it can be helpful to ask employees the following questions to help them make their decision:

  1. How much are you willing to pay in monthly premiums?
  2. What doctors and hospitals are important to you?
  3. What kind of prescription drugs do you take?
  4. How much do you estimate to spend on health care expenses?
  5. Do you prefer paying copays for visits and prescriptions or having a health savings account (HSA) to pay for health care expenses?
  6. What are some aspects of my current plan that you don’t like?

How to add a baby to health insurance

How to add a baby to health insurance

Written by
Drew Gieseke
Drew Gieseke is an aPHR®-certified marketing professional who writes about HR, compliance, and healthcare solutions.

How to add a baby to health insurance

How long do you have to add a new baby to your insurance?

How do I add my baby to my Blue Cross Blue Shield insurance?

The parent has 60 days to contact Customer Service to add the newborn to their existing plan. If you have a health insurance plan through your employer: You must notify your employer or group administrator to add a newborn to your coverage. Some employer groups opt for a 60-day notice.

How do I add my baby to my medical?

Enrolling a Newborn

For mothers who have Medi-Cal coverage at the time of delivery, call your county Medi-Cal office or fill out and send in the Newborn Referral Form. The newborn will be eligible for Medi-Cal until at least age one if living in California.

Can I add a child to my health insurance?

Under current law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old. Children can join or remain on a parent’s plan even if they are: Married. Not living with their parents.

How much does it cost to add a baby to health insurance?

You’ll have two major insurance needs: health care for the baby, plus term life insurance for yourself. Adding a baby to a family health insurance plan will cost in the neighborhood of $200 to $450 a month.

How does insurance work when having a baby?

Coverage continues through pregnancy, labor, delivery, and the first 60 days after birth. Some states may cover your maternity care under the Children’s Health Insurance Program. After your Medicaid pregnancy coverage ends, you may still have other insurance options through your state or a private company.

How long can my child stay on my Blue Cross Blue Shield insurance?

How much does it cost to have a baby Blue Cross Blue Shield?

For commercially insured Blue Cross and Blue Shield (BCBS) members, the average cost difference between vaginal and cesarean deliveries was $4,157 ($13,325 versus $17,482), according to a Blue Cross Blue Shield Health of America Report.

Can I add my girlfriend to my health insurance Blue Cross Blue Shield?

When you add domestic partner coverage to your benefit program, the employee and his or her domestic partner must meet certain eligibility criteria. An affidavit is a means by which you may confirm that these eligibility requirements are met.

Can I add my pregnant girlfriend to my health insurance?

If she’s covered under get parents insurance she should be fine. If she loses coverage, she can apply to get work insurance as a qualifying event (losing coverage). If y’all get married she can be added to your insurance (again, qualifying event). The pregnancy shouldn’t stop get from getting regular health insurance.

What is the minimum income to qualify for Covered California?

According to Covered California income guidelines and salary restrictions, if an individual makes less than $47,520 per year or if a family of four earns wages less than $97,200 per year, then they qualify for government assistance based on their income.

How do I add a baby to my Aetna insurance?

If you plan on having your baby covered by your insurance plan, then you’ll definitely want to notify your insurance of your child’s birth. Many Aetna plans automatically cover newborns for the first 31 days after birth. To officially add your newborn to your plan, you’ll need to contact your benefits administrator.

All Health Insurance Marketplace® and Medicaid plans cover pregnancy and childbirth. This is true even if your pregnancy begins before your coverage starts.

Maternity care and newborn care — services provided before and after your child is born — are essential health benefits. This means all qualified health plans inside and outside the Marketplace must cover them.

Choose your situation below for more information:

If you’re pregnant or planning to get pregnant:

  • If you don’t have health coverage
  • If you currently have Marketplace coverage
  • If you may qualify for Medicaid or Children’s Health Insurance Program (CHIP)

If you recently gave birth:

  • If you don’t have health coverage
  • If you currently have Marketplace coverage
  • If you have Medicaid or CHIP

If you’re pregnant or planning to get pregnant

If you don’t have health coverage

  • Health coverage makes it easier to get the medical check-ups and screening tests to help keep both you and your baby healthy during pregnancy.
  • If you qualify for a Special Enrollment Period due to a life event like moving or losing other coverage, you may be able to enroll in a Marketplace health plan right now. Being pregnant doesn’t make you eligible, but the birth of a child does. through the Open Enrollment Period or a Special Enrollment Period. If you select the option to get help paying for coverage on your application, you’ll be asked if you’re pregnant. Reporting your pregnancy may help you and your family members get the most affordable coverage.
  • If you don’t qualify for a Special Enrollment Period right now, you’ll be eligible to apply within 60 days of your child’s birth. You can also enroll in 2021 coverage during the next Open Enrollment Period this fall.
  • If eligible for Medicaid or CHIP, your coverage can begin at any time.

If you currently have Marketplace coverage

  • If you want to keep your current Marketplace coverage, don’t report your pregnancy to the Marketplace. When filling out your application for Marketplace coverage, select the “Learn more” link when we ask if you’re pregnant to read tips to help you best answer this question.
  • If you report your pregnancy, you may be found eligible for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP). If you are found eligible for Medicaid or CHIP, your information will be sent to the state agency, and you will not be given the option to keep your Marketplace plan.
  • If you keep your Marketplace coverage, be sure to update the application after you give birth to add the baby to the plan or enroll them in coverage through Medicaid or CHIP, if they qualify.

If you may qualify for Medicaid or Children’s Health Insurance Program (CHIP)

  • Medicaid and CHIP provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, and pregnant women.
  • Eligibility for these programs depends on your household size, income, and citizenship or immigration status. Specific rules and benefits vary by state.
  • You can apply for Medicaid or CHIP any time during the year, not just during the annual Open Enrollment Period.
    • You can apply 2 ways: Directly through your state agency, or by filling out a Marketplace application and selecting that you want help paying for coverage.
    • Learn how to apply for Medicaid and CHIP.

    If you recently gave birth

    If you don’t have health coverage

    IMPORTANT: Having a baby qualifies you for a Special Enrollment Period

    This means that after you have your baby you can enroll in or change Marketplace coverage even if it’s outside the Open Enrollment Period. When you enroll in the new plan, your coverage can be effective from the day the baby was born. Learn more about Special Enrollment Periods and how to apply.

    • It’s important to have access to health care services for both new mom and baby. Make sure you apply within 60 days after your baby’s birth. Your plan can cover you, your baby, and any other household members.
    • If you had Medicaid or CHIP coverage that ended after you gave birth (or if your state told you it’ll end soon), you can apply for Marketplace coverage. Losing other coverage qualifies you for a Special Enrollment Period. When you fill out your application, select that you were found ineligible for Medicaid or CHIP by the state agency.

    If you currently have Marketplace coverage

    IMPORTANT: Having a baby qualifies you for a Special Enrollment Period

    If you already have Marketplace coverage when your baby is born, you can:

    • Keep your current plan and add your baby to your coverage, OR
    • Create a separate enrollment group for your baby and enroll him or her in any plan for the remainder of the year. Note: The ability to select any plan only applies to your baby. You will generally not be allowed to change plans

    No matter when your child is born, you should report their birth to the Marketplace by updating your application as soon as possible. Your coverage options and potential savings may change as a result. You may qualify for more savings than you’re getting now, which could lower what you pay in monthly premiums.

    How to add a baby to health insurance

    If you’re pregnant, adding your newborn to your dental plan probably isn’t on your pre-baby to-do list. But once your bundle of joy arrives, you have some choices to make.

    Here are 3 tips for adding a newborn to insurance:


    How you notify your benefit provider will depend on how you’re covered. If you’re covered through work, contact human resources. If you have an individual or family plan, contact the benefit provider directly.


    Having a baby is considered a life event, so you can enroll your baby right after birth. Benefit providers typically require newborns be added within 30 days after their arrival. Otherwise, the next opportunity may not be until the next open enrollment period for the benefit plan.

    And remember, adding a newborn to insurance may affect the type of benefit plan. For example, adding a child may require changing the plan from covering just you to also covering a dependent or covering you and your spouse to covering the whole family.


    Dental care should begin soon after birth. Dentists recommend wiping your baby’s gums with a damp washcloth or soft infant toothbrush after meals. Once the first tooth erupts, start brushing gently with a soft, baby-sized toothbrush twice a day. Dentists also recommend that you schedule your child’s first dental appointment by age 1.

    As your baby gets bigger, teach good oral health habits. Simple preventive care, including brushing and flossing daily and regular dental visits, can help small smiles grow up healthy.

    I understand that in California I can add my baby to insurance upto 30 days after giving birth and any care he receives during these 30 days is still covered. How do I actually add him to the insurance, do I just contact the company / fill out a form?

    Anyone done this before via healthnet?

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    Do not rely on any answer you receive here other than to ask the same question directly with:

    If you purchased the insurance through your ACA Marketplace (I think in CA it's covered California) then ask them.

    If you obtained insurance directly through your insurer then call the number on the back of the card and ask them.

    If you enrolled through an employer then ask your benefits department or your HR department if you don't have a benefits department.

    And do it ASAP, don't wait until the last minute. The longer you wait the increase in paperwork you'll have and the greater the chance it will be screwed up.

    This is the perfect answer

    Contact your employer or insurance portal where you enrolled in the plan. There should be an option for a change in status to add your child.

    Having a baby triggers a special enrollment period with either your employer or the marketplace to add them and make other changes to health insurance coverage.

    As someone else says, please don't wait til the last minute. Anecdote: when my first was born my employer's portal had a glitch, every time I tried to finalize, it would take me back to the main screen. I called tech support for the portal and they opened a ticket but couldn't figure it out. Finally they did when my kid was 27 days old and only after I elevated it to an HR manager because time was running out. So, yeah, don't wait.