Newborn Coverage on California Group Insurance
Posted on January 19th, 2010
There has been a change that affects how long a newborn can stay covered under the parent’s group insurance. In the past, a newborn was covered for the first 30 days but only until the end of the month. So, a baby born on the 28th is covered for only 2-3 days, until the 30th or 31st of that month.
Effective 1/1/2010, newborns will be covered for the first 30 days, without the end of the month rule. So, a baby born on January 28th will remain covered until February 28th.
Coverage will be free the first 30 days, but if they enroll the baby with Kaiser, coverage will be backdated to the first of the month. This means they’ll pay for the coverage- just like they would have done before the rule changed. This helps improve KP sales, but also lifts the pressure off of parents from having to make a snap decision, which is often the case when the baby is born at the end of the month.
Tip: When enrolling in a California group health insurance plan due to a pregnancy, especially for your first child, call 1-877-752-4737 after the baby is born. Then, we can look into enrolling the child under the cheaper IFP plan. If you have other children, then, keeping all the kids on the group plan tends to be more cost-effective because there are no extra charges for additional children.
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Tags: Group Insurance, Insurance
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