Pregnant -- still on my mom's health insurance policy... will my baby be covered when he/she is born?

Question

I am covered under my mother's health insurance until I am 23 years old. I live on my own and am pregnant. (live in Portland, Oregon) I have heard of a law in Oregon that requires a newborn to be covered under their mother's insuarnce for the first 30 days after they are born. I have been trying to research this but have not found any information on insuarnce coverage for newborns in the state of Oregon at all. Please help.

Answer 1

You may want to take a look at your mothers policy and make sure you are really covered. Most medical policies cover minor children or dependent children if they are a full time student up to the age of 23. If you're between 18 and 23 and are NOT a full time student, you probably are not covered.

As for whether or not the baby is going to be covered, you need to check with the plan administrator. My gut instinct is the baby will not be covered because the baby is not your mothers dependent.

Answer 2

Here's the deal... The condensed version: There are financial arrangements that can be made between your insurance and your mom's job... These arrangements make the state laws inapplicable. Because of this arrangement, it can also mean that the plan may have full coverage available for a grandchild. Its possible the baby's birth will only be covered. Its possible the baby won't be covered at all. You'll have to speak with the insurance company or her HR dept. to find out for sure. The best thing to do would be to call the insurance company, and ask. If they person you talk to sounds like they don't know what they're doing, ask to speak with someone else... Good luck!

Answer 3

In my state, the child is covered for the first 30 days automatically if the mother has coverage. You must add that child to the policy within that 30 day period if you want it covered. However, not all companies cover dependent children for maternity even if maternity is a covered peril. I highly suggest you check and make sure you are covered, and that you can add your child after the 30 days. The baby will be a "dependent of a dependent" and that can sometimes change things.

Answer 4

It's true, there is coverage for the first 30 days under mom's policy.

My question is, will YOU be covered, after the insurance company finds out you live on your own - technically, you aren't a dependent, and shouldn't be covered under her policy.

Answer 5

i became into in the comparable subject as quickly as I had my son. First you may desire to touch the coverage employer and discover out in the event that they do, or in the event that they're going to conceal the toddler for a constrained time. My son became into lined for the 1st 30 days. in the event that they gained't conceal the two one in all you, touch you interior of sight households and young little ones branch. they're going to help stumble on a thank you to insure you and the toddler (till they are 5 years old) at little or no value. there are a number of courses available to make advantageous that coverage is in place for the two you and the toddler. stable success and Congratulations!

Answer 6

Not usually will an policy cover the offspring of someone elses insurance. Contact the Insurance Commissionor of the state you live in. Do not rely on "what you heard'. Do you own research, call insurance companies to find out. Get your own insurance.
and please do not rely on welfare. not good for you or the rest of us taxpayers.

Answer 7

You need to contact your insurance company and ask them the questions they are the only ones who know what is covered in your plan. All plans are different and cover different expenses.

Answer 8

you know the 800 # on the back of your insurance card??

call it... you want to ask not only about the maternity coverage, but well baby care, and how long that extends.