BABY HEALTH INSURANCE
BABY HEALTH INSURANCE
Having a baby is a big responsibility & in order to fulfill your responsibility towards your baby you need to have baby health insurance. Your baby's might get sick sometimes. Ear, respiratory and urinary tract infections are all illnesses that babies might experience. Even a minor diaper rash can be annoying. So in order to maintain your baby healthy you need to get regular check-ups and vaccinations, so you should have baby health insurance because medical care can become costly if you have to pay the bills yourself without health insurance for your baby.
So you should plan well before your baby’s birth which will save time as well as give you peace of mind. If you have your baby at a hospital where your pediatrician usually sees patients, the doctor should see the baby right away after the delivery. It would be good to have a pediatrician on the hospital staff see your baby right after birth if you do not have your own pediatrician already. Then you can call your own pediatrician, if you have one, to schedule a visit a few days after birth. Always ask for your baby’s medical records before you leave the hospital because your pediatrician will need them.
If you have health insurance policy you need to check whether your health insurance cover you’re baby and after that you should contact your insurance company and give them information so you can have the baby added to your health insurance policy (usually within 30 days.) there usually arise no problem in adding your baby to your job-related health insurance plan or your own individual plan. You can take help from your employer or insurer what you need to do to make sure your baby is covered from birth. A job-related health insurance plan is often best because these plans usually provide quality coverage at a lower cost. You can expect your increased premiums and costs (such as co-payments) that you will need to pay after adding your baby to any health insurance plan.
Are there any deductibles? Answers to questions like this can help conclude the amount of expenses you will have to pay yourself. Sometimes it may be a fine idea to think again your health plan. When you have the occasion (perhaps during an open enrollment period), you may want to alter to a health maintenance organization (HMO) or a preferred provider organization (PPO) that covers all well-baby care.
It is better to plan your baby’s doctor before your baby arrives. Waiting until after your baby is born is not a good idea; planning is much better. It is best to find a doctor you trust and like. So we can say that precaution is better then cure.
Most health insurance for babies has rules about which doctors you can visit, so it is important to know if the doctor you choose also determines which specialists and which hospitals you will be able to use if your baby needs specialized care. Sometimes, the health insurance company has rules that link these together. Check the rules of your insurance policy prior to choosing your baby's doctor. You may be limited to choosing a pediatrician from a list of providers that your health insurance company will give you. You may even need to have your selection approved by your health insurance company in advance.
Some things to consider when choosing a doctor for your baby:
- Contact your health insurance company and ask them to give you a list of baby doctors covered under your plan.
- Know what the doctor's office hours are and how they would handle your concerns and emergencies after hours.
- Talk with other parents and friends you know and ask them if they know a pediatrician they would be able to recommend.
- You can even ask to meet with a few of the baby doctors to help you make your decision. Be sure to write down your questions and, when you call to make an appointment with the doctor, ask to plan for the time to have your questions answered.
- You should be able to find out where the doctor went to medical school and how long they have been in practicing medicine. Some insurance companies and hospitals have this information. Details on some doctors are available by clicking on the Doctor Finder (American Medical Association).
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