Posted: 08 Jun 2010 12:04 Post Subject:
Well of course it's going increase your premium, you're adding another insured to the policy.
Posted: 08 Jun 2010 10:57 Post Subject:
If you have current coverage, just about every state mandates automatic coverage for newborns and adopted children. This coverage begins immediately upon birth and covers all medical issues of the child, including any congenital or birth defects, etc. Adopted children are normally covered from the moment of placement into your home.
You are generally required to report the event to your insurer within 30/31 days to continue the coverage without interruption. If there is additional premium to be paid, it must also be paid within this period of time.
If your state adheres to these rules, and it probably does, there can be no exclusionary language attached to the child, such as exclusions for any pre-existing conditions, waiting periods, etc.
You need to let us know what state you reside in and whether you have any current medical coverage, and if so, EXACTLY what coverage you have and through whom. Individual policy? Group policy?
This info will help us help you!
Posted: 09 Jun 2010 07:35 Post Subject:
I'm from FL and I have health coverage through my employer. I work for 40 hrs a week.
Posted: 09 Jun 2010 06:56 Post Subject:
Tampaflgi, thanks for the response. Here's a quote taken directly from the Florida statutes, specifically Title XXXVII, section 627.6575 Coverage for newborn children. It states (look for the emboldened portions that follow):
(1) Any group, blanket, or franchise health insurance policy providing coverage on an expense-incurred basis that provides coverage for a family member of the certificateholder or subscriber, or any group, blanket, or franchise health care services plan contract issued by a nonprofit corporation that provides coverage for a family member of the certificateholder or subscriber, must, with respect to the family member's coverage, also provide that the health insurance benefits applicable for children will be payable with respect to a newborn child of the certificateholder, subscriber, or covered family member from the moment of birth. However, the coverage for a newborn child of a covered family member of the certificateholder or subscriber terminates 18 months after the birth of the newborn child.
(2) The coverage for newborn children required by this section consists of coverage for injury or sickness, including the necessary care or treatment of medically diagnosed congenital defects, birth abnormalities, or prematurity, and also includes transportation costs of the newborn to and from the nearest available facility appropriately staffed and equipped to treat the newborn's condition if the transportation is certified by the attending physician as necessary to protect the health and safety of the newborn child. The coverage of transportation costs may not exceed the usual and customary charges, up to $1,000.
(3) The benefits required by this section also apply to holders of group certificates delivered or issued for delivery to residents of this state under group policies effectuated or delivered outside this state.
(4) A policy or contract may require the insured to notify the insurer of the birth of a child within a time period, as specified in the policy, of not less than 30 days after the birth. If timely notice is given, the insurer may not charge an additional premium for coverage of the newborn child for the duration of the notice period. If timely notice is not given, the insurer may charge an additional premium from the date of birth. If notice is given within 60 days of the birth of the child, the insurer may not deny coverage for a child due to the failure of the insured to timely notify the insurer of the birth of the child.
(5) If the policy or contract does not require the insured to notify the insurer of the birth within a specified time period, the insurer may not deny coverage for such child or retroactively charge the insured an additional premium for the child. However, the insurer may prospectively charge the insured an additional premium for the child if the insurer provides at least 45 days' notice of the additional premium required.
(6) This section does not apply to disability income or hospital indemnity policies or to normal maternity policy provisions applicable to the mother.
So, it looks as if Florida law (pretty much like other states) will cover the kid from the moment of birth. Make sure that you check your coverage for any specifics that may apply, but it looks as if all is good.
Hope this helps!
Posted: 10 Jun 2010 10:17 Post Subject:
In some cases your state laws will decide your rights, otherwise the Newborns' Act may apply. There are states that have regulations to cover the newborns and their mothers. You must go through your own policy and check if hospital-stays are shown as benefits to child birth.
Posted: 10 Jun 2010 10:21 Post Subject:
Like I said, and answered in my last post, it's state specific. Specifically, I quoted the OPs state of residence.
Posted: 11 Jun 2010 05:39 Post Subject:
What's this Newborns' Act? I guess you're pointing at the Newborns' & Mothers' Health Protection Act. It's aimed at covering newborn babies and their mothers through their stay at the hospital.
Posted: 29 Oct 2010 05:14 Post Subject:
The coverage period begins starting from the moment of delivery, and since that time the mother is perfectly entitled to claim complete or partial compensation of her costs connected with delivery and medical care for the child.
Check with your medical care insurance provider if childbirth is enrolled into your group health plan or work out your individual health plan more elaborately, taking into account the great possibilities of maternity medical aid cost decrease.
Posted: 12 Feb 2011 01:21 Post Subject: no coverage
I gave birth to my child on 1/5/11. I've received a bill from the hospital today 2/11/11 for $9,000. with my child's name. I sent a bunch of documents to my healthcare provider and now they are telling me that i did not enroll her within 30days. I thought that would be done automatically since insurance company was aware that i gave birth. I will have coverage for her next month.
My question is.....will insurance pay for my child'd bills from birth to the time she is enrolled under my plan next month? I live in NY.
Posted: 12 Feb 2011 11:31 Post Subject:
I understand your concern. In NY, an insurer may need you to get your child enrolled within a period of 30 days, so that the new born stays covered beyond that period. Please go through the insurance paperwork (if any) and get it confirmed. Have you discussed it with your agent?
Posted: 05 Mar 2011 02:04 Post Subject:
it's ain't gonna be cheap I can guarantee you that!
Posted: 08 Mar 2011 12:55 Post Subject:
it's ain't gonna be cheap I can guarantee you that!
Why would you state that? I'm kind of curious as to why you would unequivocally say that it's going to be really expensive. I would tend to argue that point...
Posted: 28 Apr 2012 11:49 Post Subject:
search for a provider that has policies specific to newborns and infants.
And what would make you think a single policy to cover this situation would be LESS costly than adding the child to an existing policy? Besides, newborn children are automatically added (no proof of insurability) when requested to the insurance company within 30 days of birth.
Posted: 31 Jul 2012 02:28 Post Subject: PfNIGeROtUEDrkv
A Massachusetts law that requires all state redetinss to obtain health insurance took effect Sunday, USA Today reports. Under the Massachusetts health insurance law, redetinss with annual incomes below the federal poverty level are eligible for no cost care. Residents with annual incomes up to three times the poverty level can enroll in state subsidized plans, while those with incomes more than three times the poverty level can choose their own coverage from new, lower cost private plans if they are not offered coverage through their employer. Officials estimate that 60,000 people will be exempt from the insurance requirement because they will not qualify for subsidies but will not be able to afford other coverage options.--------------------------------------Reeta
Posted: 31 Jul 2012 02:46 Post Subject: AttILFvLpqGC
Hi, I googled and found mylesf her eat your blog. question-my mom was driving along and a driver stopped suddenly in front of her. She then turned the wheel and rammed into a light pole. She is fine and so is my sister.But the guy drove off, of course. And now my mom's insurance is saying they won't cover it, because she has Option 2 on her car?!?What should we do?
Posted: 31 Jul 2012 02:54 Post Subject: uCSSKtTliuLX
There is a Uniform Electronic Transactions Act that was promulgated by the National Conference of Commissioners on Uniform State Laws seavrel years ago. I believe Massachusetts adopted a verison of it in 2003. May be a good idea for a future article. Best.
Posted: 16 Aug 2012 09:02 Post Subject: hi
For new born we can get only medical and prescription coverage.
Posted: 16 Aug 2012 04:19 Post Subject:
For new born we can get only medical and prescription coverage.
As opposed to what else? Dental? Vision? Long term care? The statement makes no sense.
Posted: 14 Aug 2019 05:38 Post Subject:
Tinder reveals jobs that will get most dating app action
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Posted: 21 Aug 2019 06:28 Post Subject:
Firehall Arts Centre presents link internet theatre
More access to detail, Greater and faster information, A global community operating in real time, throughout the day,every day. We so often are told about all features living in a digital age brings.
But what about fake news, Reactionary responses and the frequently reported statistics on what alone people are now than they were prior to the advent of date in spanish all these modern technologies. Nothing comes without option side to it, And line and its advances has its share of negatives. The multi media theatre sensation is directed by Rachel Peake and has its world premiere at the Firehall Arts Centre in October.
Erdal and Dawe revealed some tasks of their new creation.
q: Titling a show Hyperlink seems like risky business given the pace at which technical change occurs. is this?
Itai Erdal: Took TJ and I many years to make the show and, without, We often had to begin anew to stay on top of the latest trends before we finally found the model that we are doing right now. We are looking at the way digital life has affected the way we interact with ourselves and other people and where that can go both right and wrong. We have a fantastic projection designer in Cande Andrade and the brilliant composer Mark Haney and choreographer Kayla Dunbar have all distributed to our Net experience. So pair of you probably spend a lot of time staring at computer screens already like the rest of us, Why bring it to the issue?
TJ Dawe: definitely? People aren averse to revealing the wealth of experience and thoughts that we have that revolve around the Internet, So why not put it up on stage and see how are you affected? Particularly at a time when so much of a certain selfishness and failure to consider other perspectives appears to be such a big part of the Internet experience. Can a dialogue and positivity come from this too? all right, So are we going surfing with you two in the theatre?
Itai Erdal: exactly how, certain. as an illustration, what i'm saying is my quest for love and the audience will help put together an online dating profile for me and we see how that goes. I also referencing how hard Mother Day is on Facebook for me since my mother passed away or the year that I had hundreds of birthday wishes on the site but not a single call or text from anyone I love. Dawe: And I have very different views on the web and how to engage with it. He about connecting emotionally and I more about intelligent engagement and we brought aspects of that debate into the staging for sure. We go far and wide and have abandoned any notion of characters following any kind of an arc in the process. prominently, you might have personal and public aspects to the content then?
TJ Dawe: Might be someone on stage telling a story or one of us acting out a dozen voices taken from an online argument or we will use multimedia to illustrate how one may be texting, Tweeting, browsing the material, Updating and writing meanwhile. We involved a lot of quite visceral and emotional content into it. It's interesting to discover how, little bit, Uncomfortable it may be to take these common daily experiences and make it something you have in a public, Non private place. Are you curious as to that dynamic too?
Itai Erdal: The gap between who we are in and private lives and who we are when we represent ourselves online is something very real and something which we never seen tackled onstage before. Dawe: Of the most interesting things about building the show was the amount of times we took what we had and then took a set of theoretical scissors to it to keep the best bits only and then gathered more experiences into it. The level of collaboration involved in doing that could have been really ego driven in fact, It is the very kind of thing leading to online ego battles but it didn happen with us at all. This gives me the that, at last, humankind can find something really utopian online too.
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Posted: 10 Oct 2019 04:18 Post Subject:
online dating service profiles contain 'serious misrepresentations'
Pew evaluation says in its new "cyberspace American Life Project" That 54 for each of online daters have "Seriously misrepresented" on their own dating websites fibbing about height, sales and profits and age.
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