Health Insurance for a Newborn/Pre-born?
September 13, 2009 2:38 PM Subscribe
I'm confused about how to go about providing health insurance for my unborn baby upon it's birth. I am on Medicare, so the child is not covered. I do not qualify for Medicaid/SCHIP, and most individual plans will not cover a newborn from day one.
posted by anonymous to Health & Fitness (13 answers total) 2 users marked this as a favorite
My job provides medical insurance for me only, not my dependents. And actually, not me, either because it does not provide coverage for those already qualifying for Medicare.
For the record, I am on MEDICARE, not Medicaid. Yes, this is the old people's insurance. No, I am not too old to have a baby. I'm on it because I have a disability. But this precludes me from qualifying for every "family plan" I've ever tried to apply for.
My other two children each have their own individual BCBS plans. Our children are also not covered under their father's plan.
The problem is, I cannot seem to apply for an individual plan for this child until he is born. Then, most individual plans have 1 to 6 month waiting periods before a newborn can be covered. If the baby has some kind of pre-existing condition in that time (even something as simple as prematurity or jaundice) he may not qualify for a plan (or the premiums could be astronomical.)
I can't seem to find any sort of coverage for him from day one. (He is due in three months.) This scares the shit out of me.
For one thing, the hospital wants a name of a pediatrician and I can find no one that will take him without insurance. If I leave the "pediatrician" line blank on the hospital registration will a ped come and see him?
What will the hospital do? Will they take us and care for him if he is uninsured? Will we be charged thousands of dollars for his care? What if something IS wrong with him? Will he be treated or will he be moved to a "public" hospital? (I'm planning on going to a private (Catholic) hospital now because I see a perinatologist (high risk OB) and that is where he practices. I'm supposed to have a C-section so cannot safely just go to any ER when I go into labor.) If he has something wrong with him, will he be uninsurable forever? (or at a very high premium, or with his "something wrong" not covered?)
Is there a way to get an as of now unborn child insured from the get-go? Who knows about this stuff? I can't seem to get any answers.
This is so confusing. I just want to go to the hospital and know that my baby will receive the care he needs and we will not go bankrupt because of it.