August 15, 2012 4:58 PM Subscribe
Is there an insurance option for this snowflake situation?
posted by anonymous to work & money (5 answers total)
What are our insurance options for a newborn baby in NYC?
We're both under 26, and are insured under our parents' respective plans. This has been fantastic, because at a combined income of $51k, spending the $15k we're seeing as estimates would be a whole lot.
But now I'm pregnant.
The new under-26 coverage does not extend to grandchildren. There doesn't appear to be any option for a child-only plan anywhere. At over $47000ish, we seem to have gone beyond any government program for help.
We're going to talk to an insurance agent to further explore our options, but would love any extra advice, mainly about how pregnancy matters in terms of switching plans (from a dependent to an individual plan), etc.
One thing that we considered is my husband getting an adult+child plan to cover the baby, and me staying on my parents'. Thoughts?
There does appear to be Child Health Plus, which will only cost us $30/month, but we can't find anything about its coverage for newborns, and that's going to be a concern immediately.