How To Add Newborn To Bcbs Insurance

Your Protections Under The Health Insurance Portability And Accountability Act

How to Add a Member to Blue Cross Health Insurance

If you are eligible but not enrolled in an employers health plan, you may enroll yourself, your spouse, and your new child upon the birth, adoption, or placement for adoption of a new child. This is referred to as special enrollment.

Special enrollment is available regardless of whether the employer offers open season, or when the next open season might otherwise be.

To be eligible, you must request special enrollment in the plan within 30 days of birth, adoption, or placement for adoption. Check with your plan administrator, or check your plans summary plan description to find out if the plan has special procedures for requesting special enrollment.

Coverage for special enrollees is effective retroactive to the date of birth, adoption, or placement for adoption.

Special enrollees must be treated the same as similarly situated individuals who enrolled when first eligible. They cannot be treated as late enrollees therefore, the maximum preexisting condition exclusion that can be imposed on a special enrollee is 12 months, reduced by prior creditable coverage.

Most health coverage is creditable coverage, including most coverage under a group health plan , group or individual health insurance coverage, Medicare, Medicaid, TRICARE, Indian Health Service, state risk pools, Federal Employees Health Benefit Plan, public health plans, Peace Corps plans, and State Childrens Health Insurance Programs.

Important Information For New Or Soon

If you have health coverage and are pregnant, you and your new child may be entitled to a 48-hour hospital stay following childbirth . If your employer or your spouses employer offers a health plan, birth, adoption, and placement for adoption may also trigger a special enrollment opportunity for you, your spouse, and your child, without regard to any open season for enrollment.

The Affordable Care Act adds important protections related to employment based group health plans that will improve health coverage for you and your family. Many of these protections are available now including extending dependent coverage until age 26, prohibiting preexisting condition exclusions for children under 19, and banning lifetime limits on coverage for essential health benefits. Additional protections will be available in 2014. This publication does not reflect the provisions of the Affordable Care Act. For more information, visit the Employee Benefits Security Administrations ACA Web page at

I Purchased Coverage Directly From Bcbswy

To add a family member to your coverage, log in to and select the SHOP tab at the top of the page. In most cases, you have a set amount of time to do this:

Birth of a Child?

You have within 61 days of the newborns date of birth to add a newborn child to your coverage.

Adoption of a Child?

You have within 61 days of the earliest date of either the petition file date, or the childs date of entry into your home, to add an adopted child to your coverage. Please note: The adoption or legal guardianship papers must be provided.

Getting Married?

You can add your new spouse to your coverage before or after getting married as long as its within 30 days after the date of marriage.

For more information about enrollment periods, please review your Benefit Booklet by logging in to your account at

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I Purchased Coverage Through The Health Insurance Marketplace

Go to or call the Marketplace at 1-800-318-2596 to determine if you are eligible for a special enrollment period.

If you are eligible for a special enrollment period because you had a baby, adopted a child or got married, you have 60 days after the life event to add a family member to your coverage.

For more information about enrollment periods, please review your Benefit Booklet by logging in to your account at

Are Breast Pumps Covered By Blue Cross Blue Shield

How To Add Baby To Insurance Blue Cross Blue Shield ...

As breast pumps are categorized as durable medical equipment by most insurance providers, and breast milk is recognized for its potential health benefits, most insurance plans are required to cover the cost of a breast pump under the Affordable Care Act. Although specific coverage is different for each insurance plan, most Blue Cross Blue Shield plans cover the cost of a double electric breast pump for new moms to use while breastfeeding. To see which breast pumps are covered by your insurance, verify your member benefits with Blue Cross Blue Shield and complete Pumps for Moms simple qualification form to immediately see which breast pumps you qualify for.

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How Do You Sign Up A New Baby For Health Insurance

Benefits & Healthcare 2 min read time

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.

How Do I Know If The Newborns Act Protections Apply To My Coverage

Even if your plan offers benefits for hospital stays in connection with childbirth, the Newborns Act only applies to certain coverage. Specifically, it depends on whether your coverage is insured by an insurance company or HMO or self-insured by an employment-based plan. , the document that outlines your benefits and your rights under the plan, or contact your plan administrator to find out if your coverage in connection with childbirth is insured or self-insured.)

Self-insured coverage is subject to the Newborns’ Act. However, if your coverage is “insured” by an insurance company or HMO and your state has a similar law regulating coverage for newborns and mothers that meets specific criteria, then your rights will be the rights provided under state law rather than under the Newborns’ Act. The state law may differ slightly from the Newborns’ Act requirements, so it is important for you to know which law applies to your coverage in order to know what your rights are. Based on a preliminary analysis of state laws, most insured coverage is subject to state law requirements in lieu of the Federal protections.

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What If You Dont Have Health Insurance

If you dont have health insurance, now is the time to get it. Youll need coverage for the babys delivery and for frequent newborn checkups.

Medicaid and the Childrens Health Insurance Program

Medicaid and the Childrens Health Insurance Program 6 are insurance programs for low-income people, including pregnant women and children. Medicaid eligibility and program rules vary by state. Check with your state to see if you qualify for free or low-cost coverage. Some people on Medicaid pay a small portion of costs, while others pay nothing at all.

CHIP covers children whose families earn too much to qualify for Medicaid and, in some states, lower-income pregnant women.

Consolidated Omnibus Budget Reconciliation Act

If you or your spouse or partner recently lost their job at a company with at least 20 employees, youre likely eligible for coverage through the Consolidated Omnibus Budget Reconciliation Act .7

With COBRA, you can buy your former employers health insurance at full price for 18 months8 after youve left the job. COBRA tends to be very expensive because the employer no longer pays any part of your premiums. But if youre about to have a baby and you dont have other options, COBRA may help in the short term. Check with your former employer for details about costs and the process for getting covered.

Qualified Medical Child Support Orders

State Programs

How Newborn Baby Health Insurance Can Support First

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Having a baby is a hectic time. But even though members with newborns are sure to be preoccupied and sleep-deprived and may be out on leave there are steps they should take to get their newborn baby health insurance.

The union board is well-positioned to guide its members as they welcome a new addition to their family. Planning ahead not only supports growing member families but also strengthens the member-union relationship.

Understand Why Planning Ahead Matters

Members who are first-time parents may not realize that insurance companies don’t automatically add a new baby to a parent’s policy. The policyholder has to actively add their baby after birth. Then, plan coverage is applied retroactively for the baby’s care in the hospital and for their multiple pediatrician appointments once they’re home.

If a member forgets to add their baby to their policy within the allotted number of days, it can lead to unnecessary stress. Insurance may not cover the baby’s hospital stay or initial doctors’ appointments. If they miss the window, parents may even have to wait until the next open enrollment period to get their newborn baby health insurance, which would mean both having to figure out how to protect their baby’s health without health care coverage and worrying about how to pay for birth-related costs out of pocket.

Offer a Checklist

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For Personal Health Plan Members

If you would like to remove a dependent, contact us directly so we can help you through the process.

To add a dependent, complete the paper version of the Personal Health Plan Application and submit it to us.

If youre adding a new baby, please call us or notify us in writing within 30 days of the birth.

Welcome To Blue Cross Canada

For more than 70 years the Blue Cross® name in Canada has stood for affordable, quality supplementary individual health and travel insurance coverage, as well as group benefits and group life insurance, delivered with trustworthy and personalized service.

The Canadian Association of Blue Cross Plans represents the independent Blue Cross member plans operating in regions across the country. For more information about the plans and services available in your area, select your province above.

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Consider The Care You Want

Not all hospitals are the same. Thats true about their fees as well as their protocols.

The door of the hospital that you walk into can impact the likelihood of different kinds of procedures being done, Sakala said.

Some of those could be quite costly. For instance, almost half of all cesarean deliveries in the United States are considered unnecessary. We encourage women to carefully choose their provider and place of birth, Sakala said.

When Does The 48

How To Add Baby To Insurance Blue Cross Blue Shield ...

If you deliver in the hospital, the 48-hour period starts at the time of delivery. So, for example, if a woman goes into labor and is admitted to the hospital at 10 p.m. on June 11, but gives birth by vaginal delivery at 6 a.m. on June 12, the 48-hour period begins at 6 a.m. on June 12.

However, if you deliver outside the hospital and you are later admitted to the hospital in connection with childbirth , the period begins at the time of the admission. So, for example, if a woman gives birth at home by vaginal delivery, but begins bleeding excessively in connection with childbirth and is admitted to the hospital, the 48-hour period starts at the time of admission.

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Wedding Bells Diapers And Qualifying Life Events

The summer season is upon us, and to many people that brings one thing: wedding season. The summer season is replete with flowers, veils, cake and potentially, a new Blue Cross Blue Shield health insurance plan for the happy couple.

Between that new cutting board and a check from Great Aunt Sally, couples who get married before the next open enrollment period in November may qualify to purchase health insurance coverage and receive financial assistance through the Healthcare Marketplace.

Though open enrollment will not begin again until November, getting married is considered a qualifying life event. For those without insurance coverage through an employer, that means you are allotted a 60-day special enrollment period to add your spouse to an existing plan or shop for new coverage.

Dont let your window of opportunity slide while youre on your honeymoon or gazing at wedding photos once your 60-day special enrollment period ends, youll have to wait until November to sign up for or change your coverage.

Another common qualifying life event is the birth, or adoption, of a child. In that case, the special enrollment period allows you to add the child as a dependent on your plan within 60 days of his or her birth or adoption date.

The Blue Cross Blue Shield Association is an association of 35 independent, locally operated Blue Cross and/or Blue Shield companies.

Does Life Insurance Pay Out To Minors

Adding a new baby to your health and life insurance policies can be a tricky job that takes homework on your part. Because there is no one-size-fits-all plan for every family, compare both your own and your spouse’s employer-sponsored health insurance plans to see whose coverage offers the best benefits to keep your little one healthy. When it comes to buying life insurance, knowing the ins and outs of a policy can help you make better decisions for the sake of your loved ones.

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May Group Health Plans Insurance Companies Or Hmos Impose Deductibles Or Other Cost

Yes, but only if the deductible, coinsurance, or other cost sharing for the later part of a 48-hour stay is not greater than that imposed for the earlier part of the stay. For example, with respect to a 48-hour stay, a group health plan is permitted to cover only 80 percent of the cost of the hospital stay. However, a plan covering 80 percent of the cost of the first 24 hours could not reduce coverage to 50 percent for the second 24 hours.

Why Add Custom Options When Having A Baby

Open Dental Webinar- Adding Insurance

We will work with you to get your new child covered for any medications they need as they grow and develop. The sooner you get this coverage, the sooner your baby is protected.

Yearly cleanings or specialty dental work for your child can get pricey. Adding this option means that as your babys teeth come in, you wont have to worry about the cost of dental care.

After your child is released from the hospital after birth, if they are admitted to hospital, you can be eligible for cash payments for the days they are in hospital care. This option also helps a new mother who has to spend some extra time at the hospital.

Everyone, near and far, is going to want to meet your new addition! If youre planning on travelling to a different province or another country with your baby in tow, this add-on is a great way to keep everyone safe and healthy on the road.

Kids will be kids and sometimes accidents and injuries can happen. This benefit adds an element of financial protection once your child is in school.

The lump sum payment means you dont have to worry about money and can focus on taking care of those you love. Critical illness insurance is available from the time your newborn is 15 days old.

Protect the whole family by including your newborn in your life insurance policy. Add up to $100,000 of life insurance, plus an optional $10,000 for each dependant child. Apply before youre 55, and renew up to age 70.

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