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Baby Health Insurance
The addition of a new baby to the family is not only a wonderful event and one of the most important moments in new parents' life. It is also quite stressful, when it comes to expenses. The bills for delivery can be shocking, especially if complications are involved and some extra care is needed. Proper health insurance is the key to assure that your pregnancy develops normally, you receive good prenatal care, and your newborn baby is provided with all the necessary care to be healthy.
Health insurance for newborns gives new mothers necessary control over the medical aid and care situation during the first days of the baby's life. The coverage period starts right from the moment of delivery. Mothers can claim complete or partial compensation of their costs associated with delivery and medical care for the newborn. When it comes to the need of reducing the expenses typical of the after-birth period, the newborns' health insurance can also be very helpful.
The medical bills don't stop with the hospital visit: there will be a number of physician check-ups and immunizations, childhood illnesses etc. Check whether all of these are covered under your current health plan or when you sign up for a new one. In case you have a preference for a pediatrician for your child, or a family practice physician, you should make sure that he/she is part of your health plan's network. Sometimes you may find that going with a new policy is more cost-effective than changing the current one.
It is smart to check what the health insurance market offers and pick up the most suitable health plan for your situation prior to your pregnancy. This way, you may concentrate on preparing for a great event and enjoying it more, knowing that your childbirth expenses will be either partially or completely covered by the appropriate Health Insurance.
Having a new baby will affect your health insurance needs. When your baby is born, it is natural that you will want to add your child to your health insurance policy or to increase the level of coverage. Check how much the policy premium will increase by adding the baby to the policy. You will need both a policy to add your child to in order to make medical treatment available for your baby, and the medical insurance coverage for yourself.
Make sure to check the requirements for adding a child to your existing policy in order to get the policy in effect promptly, i.e. within the first 30 days of birth. A health plan may deny coverage after the period of 30 days in case the parents haven't added their newborn child to the plan. Therefore, don't assume that your baby would be automatically added to your health insurance plan. Your child may end up with no coverage in this situation.
It is absolutely necessary to make sure that you have adequate health insurance coverage to meet the first health and care needs of your new child. Contact your medical care insurance provider and find out whether childbirth is enrolled into your group health plan. If you have an individual health plan, it is time to take advantage of maternity medical aid benefits.
Some may find individual health insurance policies more beneficial for their situation than group health insurance. Individual policies are tailored according to individual needs. The rates are normally based on the health of the individual. If your child is covered by an individual health insurance policy, you don't have to worry about your employment situation in this respect and no changes with your employer's plan can influence you or your child's coverage.
According to statistical data, there are about 11 million children in the US uncovered by health insurance. Some families just cannot afford health insurance on their own. Whatever the case, there is financial aid and assistance available for those who cannot afford Health Insurance and worry about large hospital and doctor bills.
Your child will be covered under CHIP (Children's Health Insurance Program) until the age of eighteen. This plan's coverage typically includes doctor visits, medicines, and hospital stays.
There is also WIC (the Special Supplemental Nutrition Program for Women, Infants, and Children), managed by the U.S. Department of Agriculture's Food and Nutrition Service. This program is there to provide healthy foods, nutrition counseling, as well as health and social services referrals for low-income women. WIC is offered throughout the USA, and embraces pregnant women, women who have just given birth, or those who have children up to the age of 5.
Newborns' health insurance is regulated by NMHPA (Newborns' and Mothers' Health Protection Act). The principal regulations of the Newborns' Act include the minimal hospital stay of 48 hours for normal delivery and 96 hours for cesarean delivery.
Baby health insurance is the best cost-effective solution and becomes increasingly popular due to its efficiency. Its benefits help young mothers to cover the delivery costs, the medical care expenses during their hospital stay following the childbirth, and help the newborns to come into this world secured and taken good care of.