At eHealth, we love to get phone calls from new parents.
They typically want to know how to add a newborn or newly adopted child to their health plan.
The next annual Open Enrollment Period -- when anyone can add or change their health coverage - is currently scheduled to begin on November 15, of this year.
Outside of the annual Open Enrollment Period, the Affordable Care Act (Obamacare) considers the birth or adoption of a child to be a qualifying event for a Special Enrollment Period. A Special Enrollment Period gives you 60 days from your child's birthdate or adoption to add them to a new or existing health plan.
When you apply for coverage, it's a good idea to have a copy of the child's birth certificate or adoption documentation available in case your new insurance company requires it for verification.
As long as you apply within 60 days, your child's effective date of coverage will be their birthdate or adoption date.
And your health insurance premiums will be pro-rated for the month, based on when the child is added to the policy.
Be aware that all new major medical heath plans provide certain benefits for your child with no out of pocket costs like:
- No less than 16 major recommended immunizations
- No less than 9 recommended screenings in your child's first year
- And screenings and counseling for major illnesses as well as prevention of obesity and depression as they age-- to name a few
If you miss your 60-day special enrollment period, you may not be able to enroll your child in a major medical health plan until the next Open Enrollment Period.
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