How do we get health insurance for our newborn if my boyfriend and I are both still on our parents insurance?

  • by Meow
  • Oct 13,2017
  • 11 answers

I’m due the end of this month. I’m covered under my parents till I’m 26 but they said once the baby is born she won’t be covered. My boyfriends is currently still on his parents insurance. The plan was for him to switch over to the insurance offered at his work so that he could add the baby on to his. Unfortunately his work won’t let his switch over till January which will leave 2 months of no insurance for our baby. What are we supposed to do? Can we get her insurance some other way till his insurance switches over?


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Insurance Answers (11)

mbrcatz 4 hours ago

You don't, unless you can have the baby qualify for welfare.

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H. Marie 3 days ago

I take it that you, the baby and the baby's father will not be living with either parents, thus they are not including the new child on their health care
you might contact the state agency for dependent children for coverage that you are unable to get other wise
if the child is healthy without problems it is not likely the child will need medical care for those two months
you can check local clinics for the shots the child might need

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Insurance Pickle.com 3 days ago

It's not going to be easy. That is a common error unfortunately. When was your boyfriend's waiting period over? Did he miss it, because it can't be more than 90 days as that is the law? He can enroll when he's originally eligible and also at open enrollment.

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babyboomer1001 3 days ago

You can get private insurance until January when the group insurance kicks in. Call an insurance company that sells health insurance.

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Judy 3 days ago

CHIP

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A Hunch 3 days ago

Having a baby is a qualifying event for private health insurance. However, you have to wait until the baby is born to meet this requirement. Thus, the baby will still not be covered for a month or so. The delivery / hospital / new born appointments will not be covered.
Contact the hospital to see how they can work with you for these bills.

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ElmsofTaste 4 days ago

saf

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Pearl L 4 days ago

maybe you can try to get medicaid for your baby

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Blessed 4 days ago

go to welfare and ask them

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Eva 4 days ago

Having a child is what's called a "qualifying event". His work has to allow him to go on the insurance. It's a rule under the ACA. You may be able to get the baby on a state sponsored plan. A social worker at the hospital may be able to help you.

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Bob 4 days ago

sure.. medicare

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