will this grandchild be covered when it's born in the Kaiser hospital?

Question

My daughter is pregnant and is covered under Kaiser through my plan at work. If I assume grandchildren are not covered by my plan at work (I don't want to tell them just yet), will this grandchild be covered when it's born in the Kaiser hospital? I read somewhere that when a mother is covered, even if the new infant is NOT going to be covered on the insurance that there's a state law that all newborns are automatically covered by the mother's insurance for the first 31 days of life. ***This pregnancy is a sensitive issue and I don't want to check yet with my work about coverage.***

Answer 1

The newborn is covered for the first *30* days.

Answer 2

Well, you're not going to find out until you're able to speak with someone at Kaiser, or HR. All plans are different. All benefits are different. I work in insurance, and am seeing more and more plans with grandchild coverage. I am also seeing an increasing number of plans that cover the baby, but only for the hospital stay. Or, will cover the baby if you, as the employee, are the legal guardian. So, don't assume just yet that the baby won't be covered... Its quite possible the baby will be covered in some capacity. Its just as likely they baby won't be covered at all.

If all else fails, and you have no intention of adopting the child, try medicaid in your state.

Good luck!

Answer 3

No your insurance won't cover the baby. The fine print only covers your baby, not grandchild. May I suggest your daughter get on medicaid. They will cover her pregnancy costs and 6 weeks after delivery for pregnancy needs. (not other needs). By covering the pregnancy it helps to ensure that your daughter gets goood prenatal care which means a healthier baby. The baby is automatically covered for 1 year. This helps cover the frequent checkups and shots a baby needs. Also if there a problems with the baby and it needs to be in the hospital for a while, medicaid will cover all expenses. Your daughter will also be eligible for WIC, a national program for Women Infants and Children. (WIC) This provides free formula, helps with nutritional food like milk. My teenage daughter got pregnant and we would have been lost without this help. My insurance wouldn't cover the pregnancy and she ended up being high risk with 9 hospitalizations before the baby was born. Fortunately the baby was perfect but my daughters bills were in the hundreds of thousand range and medicaid covered them all. Good luck and congratulations on your grandchild.

Answer 4

Your insurance will only cover your daughter's expenses; it will not cover the expenses related to your grandchild's care. The law you've referenced does not pertain to situations where the mother is a dependent child of the subscriber.

Your best bet is to apply for Medical Assistance for the child that will be effective at the moment of birth. Do a web search using the name of your state and "Children's Health Insurance Plan." All states have this federally-funded plan that insures children up to age 19.

Answer 5

The laws vary from state to state, but typically, everything related to your daughter's care will be covered, but nothing for the baby will be. That means newborn nursery care, in-house pediatrician, all of it will not be covered. As a matter of course, insurance companies do not cover a dependent's dependent. You should contact your insurance company now for this reason: if you find out that the baby will not be covered, your daughter can go ahead and apply for Medicaid for the baby ahead of time.That way, the baby will be covered by Medicaid from birth. However, if you wait and apply after the birth, Medicaid will pay back 3 months from the date of application, so you can do it that way, but you must do it quickly.

Answer 6

I don't know what Kaiser will and will not cover or how their plans work.

If you don't want to talk to your HR Department, call Kaiser direct and ask them.

I'm assuming that your daughter is still a minor or if not, still a full time student to be covered on your insurance.

Answer 7

covered in what? mucus? all babies are when they are born. its natural. i wouldnt worry too much about it