I am carried under my mothers insurance because I am in college currently and unmarried. I am pregnant though, so when I deliver, will the baby be carried under my mothers insurance also? Capital Blue Cross.
2007-03-21 10:11:17 · 14 answers · asked by Anonymous in Business & Finance ➔ Insurance
You'll need to check with the benefits administrator where she works. The baby is going to be YOUR dependent not your mothers though so chances are, your mother will not be able to add him/her on.
Your mothers insurance covers her and her dependents. Your child isn't her dependent.
2007-03-21 10:19:46 · answer #1 · answered by Faye H 6 · 2⤊ 0⤋
Wow...that's a great question. The reason I say that is when I had my daughter 5 years ago, I didn't even THINK of the baby needing insurance. I just figured the whole "having a baby" would be one charge....hospital stay, doctor, meds, blood tests, etc.
But, when my daughter came out, she had major problems (she is ok today), but they had to get a pediatrician for her, put her in neonatal care, put her in an ambulance to another hospital, then she was the patient at the other hospital, etc.
My insurance at the time had I think a $1200 out of pocket max for the year, and we ended up with a $2400 bill - one for me and one for her.
So PLEASE look into this before you have your child. If your Mom's insurance doesn't cover him/her, make sure you make arrangements for coverage at the time of the birth.
2007-03-21 10:34:26 · answer #2 · answered by CG 6 · 0⤊ 0⤋
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I am carried under my mothers insurance because I am in college currently and unmarried. I am pregnant though, so when I deliver, will the baby be carried under my mothers insurance also? Capital Blue Cross.
2014-09-09 09:42:20 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You need to call your insurance company. Some plans will cover dependent maternity, some will not. Some cover grandchildren, some don't.... Its entirely possible your mother's plan may cover one or both circumstances. Its most likely up to her employer group, and the plan they purchased from the insurance company. Some plans via BlueCross Cap will cover this, so you need to call to find out.
Most plans will let you cover the baby if your mom adopts him, or in some way becomes his legal guardian. Good luck.
2007-03-21 13:36:47 · answer #4 · answered by Custo 4 · 1⤊ 0⤋
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2014-11-15 09:07:43 · answer #5 · answered by ? 1 · 0⤊ 0⤋
we have the same situation going on.. we assumed that our granddaughter was not going to be covered (yes we already know it's going to be a girl) . Our daughter is covered under her father's coverage through his employer, BCBS, PPO. until she is 25 and a student. we knew that our daughter was covered, but were unsure about our grand daughter.
I finally called...... as long as the baby is born before our daughter is 25, and our daughter is still a full time student, even if she has the baby during the summer when classes are out, the baby is covered.
But that is our plan. You need to check with your plan. Remember, there are so many grandparents that are raising their grandchildren nowadays that a lot of companies are covering the grandchildren for just this reason.
the only caveat ... they wanted to know if my daughter was married.... no she is not.. not until 6 months after the baby is born....... then she is covered.. they just need a copy of the birth certificate showing my daughter's name as the mother.
Make a phone call and check your plan.
2007-03-24 10:07:05 · answer #6 · answered by larsgirl 4 · 0⤊ 0⤋
Most likely not. However, being a student with modest income you should be able to get medicaid of some other public insurance, or the father of the child will be expected to provide health benefits.
2007-03-22 00:25:19 · answer #7 · answered by Anonymous · 0⤊ 0⤋
There won't be coverage for your child after delivery. It would be smart to get your own policy now. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health
Take care,
Casey
2007-03-24 23:47:23 · answer #8 · answered by Anonymous · 0⤊ 0⤋
I believe Blue Cross my have to pay for your prenatal care, not sure and then your delivery but
Blue Cross will not pay for anything for the baby when it is born. You will have to get a health policy on the baby as soon as you deliver it.
2007-03-21 10:19:18 · answer #9 · answered by Anonymous · 0⤊ 0⤋
BCBS covers the mother and the baby until six weeks after the birth. The hospital will bill your insurance for both you and the baby until the baby's six week appointment.
2007-03-21 11:05:15 · answer #10 · answered by withluv7 3 · 0⤊ 1⤋