Newborn Insurance Coverage in California
Your individual or employer insurance plan may not cover your new baby.
Parents Don’t Have Health Insurance
Covered California Quotes for Families
The Covered California Health Exchange is a government agency created to aid Californians in complying with the Affordable Care Act. To abide by the requirements of this act, individuals must have insurance coverage from a qualified health plan that meets the government’s standards. Although enrollment is typically limited to the open enrollment period, individuals who have recently had a child may apply for Covered California health insurance coverage outside of this period.
Different individual health plans have different structures and levels of coverage for your health expenses. However, according to the ACA, all health plans must meet the minimum essential coverage requirements, which ensures that no one can be refused coverage during the Open Enrollment Period due to any pre-existing medical conditions.
As you prepare for the arrival of your newborn, it is important to consider the best options for insuring your family’s health. Currently, adding your precious bundle of joy to your existing plan may come at a high cost. However, there are alternatives that you may want to explore, such as enrolling in a new insurance plan that better fits your growing family’s needs. With the right plan, you can ensure that both you and your partner are covered, even before the baby is born. By taking this proactive approach, you can rest assured that your family’s health and well-being are protected, no matter what life may bring. If you are expecting a newborn, you may want to consider looking for a new insurance plan for the following reasons:
- Adding your newborn to your current plan is expensive.
- You and your partner are currently uninsured.
- You both wish to enroll in an insurance plan together after the baby is born.
To find the right plan for you, just complete a straightforward online form with some basic information, such as your income. Once you do, you’ll see a range of options in your search results, with details to compare that include:
- Carrier Name (Kaiser Permanente, Anthem Blue Cross, etc.)
- Plan Category (EPO, PPO, HMO)
- Plan Type (Platinum, Gold, Silver, Bronze HSA or Bronze)
- Full Price of Plan
- Price You Pay
- Subsidy Amount You Qualify For
- Link to “View Benefits”
