For anyone who’s ever had a baby or anyone who is expecting to have a baby, you know all too well. A baby changes everything! There are so many new things to think about and determining the proper amount of health coverage for your new bundle of joy is one of the most important. The good news is that welcoming a new child into your family through either birth or adoption qualifies you for a Special Enrollment Period, meaning you do not have to wait until Open Enrollment begins in November to enroll your new dependent in a health plan.
In fact, you have 60 days from the day your baby is born or the day of your adoption to sign up for health insurance.If you are currently enrolled in a health plan, having a baby allows you the opportunity to add your baby to your current plan and make any other necessary changes to your coverage. Keep in mind, that all ACA approved health plans now include maternity and newborn care as part of the 10 Essential Health Benefits and that newborn care can make a big difference in your baby’s overall health and wellness.
In fact, pediatricians now recommend getting your new baby onto a wellness program as soon as he or she is born and keeping your child on that program throughout their young lives. This will ensure that your baby’s immunizations, growth, and developmental milestones are all right on track.
If you know you are expecting a baby, start your research now. You can generate a quote to purchase your new baby a Blue Cross Blue Shield of NC individual health plan or see what it will cost to add your newborn to your existing health plan. Keep in mind that when you enroll your new dependent in a BCBSNC health plan, your baby’s insurance coverage will be retroactive to the date of birth.
Having a baby is a wonderful and exciting experience, but also full of big life changes. Make sure your baby’s health care needs are fully covered so that you can give your child the best start possible.
For more information on Blue Cross Blue Shield of North Carolina health insurance coverage, the Marketplace and healthcare gov to apply for your subsidy, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents. Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as Obama care.