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When to apply for baby health insurance?

Updated: 8/16/2019
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13y ago

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This can vary between companies due to different underwriting requirements.

If you are considering adding the newborn to your current medical insurance policy, and want the child covered from date of birth, you should act quickly after the child is born or adopted as some plans have a limited time within which to add the child. For example, you may have a window of thirty to sixty days from date of birth in which to add the child without regard to any preexisting conditions. If you add the child within that period, coverage may even be retroactive to the child's date of birth.

Call the customer service number on the back of your medical insurance card, or consult with the agent through whom you bought the policy for guidance. If the coverage is connected to your employment, the Human Resources/Benefits department would be a good starting point.

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