Types of Medical Insurance for Babies
Health insurance is available for many types of individuals, including newborn babies. Finding health insurance for babies depends on your status. Newborn babies can typically be added to an existing health insurance policy. If a mother is uninsured, there are state and federal programa that provide coverage.Federals laws such as HIPAA (the Health Insurance Portability and Accountability Act) also assist with health insurance for babies.
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Existing Policies
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Newborn babies can usually be added to a parent's existing insurance policy. Policies can include health insurance that is provided by an employer or purchased, as an individual policy. Many states have laws that require health insurance polices to provide coverage for newborn babies. Most stae laws require health coverage for the first 31 days after the baby has been born. However, the babies needs to be added to their parents' policies and any applicable premium paid during this period.
Insure Kids Now
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Insure Kids Now is a heath insurance program provided by each state. Low-cost health care is provided to children under the age of 18, including babies. Coverage includes visits to the doctor, prescription medications and any hospitalizations that are necessary. Eligibility rules for the program are determined by each state and income requirements may also apply.
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Women, Infants and Children
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The Women, Infants and Children (WIC) program provides grants to states for health care referrals, supplemental food and nutritional education. The program is designed for low-income pregnant women, women who have recently given birth and infants and children up to the age of 5. The program has specific eligibility requirements, such as various income levels, that need to be met.
Child Health Plus
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Child Health Plus is provided by the State of New York. The program gives health insurance to babies and younger children. Coverage includes regular doctor's visits and hospital care for a baby. Eligibility requirements include residing in the State of New York and having no insurance or insurance that does not cover the needs required of the baby.
HIPAA
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HIPAA was passed in 1996. The purpose of the law is to prevent a group health plan from an employer, insurance companies and health maintenance organizations from denying health care benefits.This means that women who are pregnant or have recently switched jobs after giving birth can't be denied coverage by their new group health plan.
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