Health Insurance for Newborn Baby?!
Question: Health Insurance for Newborn Baby!?
I get health insurance through my job but I think I can get a better quote than what they offer if I go about it independently!. What suggestions do you all have in terms of a good health insurance coverage!? Is it best to have a higher deductible and lower premium or vice versa for a newborn!? I want what will be the best for him but the most affordable for us!. Thanks! :)Www@Answer-Health@Com
Answers:
If you haven't had your baby yet you should consider the group option to err on the side of caution!. Laws vary by state, but in NC an insurance company is required to cover a newborn if the parent currently has a policy and adds the newborn within the first 30 days after birth!. This will protect you if your baby has any birth defects (I know you don't want to think about that)!.
If your baby is already born, individual health insurance policies tend to be less expensive than group policies because they are underwriten based on the applicants health whereas group policies must accept everyone!.
Deciding how rich your benefits are is a personal preference!. Generally, the higher the premium, the more predictable your day to day expenses are because you have higher benefits!. The lower your premium the more exposed you are to a large claim!.
For babies, make sure your policy covers well baby visits and immunizations as you will have alot of these in the beginning!. Also, if you are a first time parent, make sure there is no limit on the number of office visits!. Also make sure ER visits and urgent care have copays because you may be making some late night frantic visits to make sure your little loved one is ok!.
Congratulations!.
Health insurance laws vary from state to state!. I am a health insurance broker and send the vaste majority of my business through Blue Cross Blue Shield NC!. I accept no liability whatsoever for this comment, whether it was caused by: 1!. Accessing or other related actions to this comment!. 2!. Any links, and/or materials provided/attached to this comment!. I assume that all users understand risks involved within this comment and/or its attached materials!.Www@Answer-Health@Com
If your baby is already born, individual health insurance policies tend to be less expensive than group policies because they are underwriten based on the applicants health whereas group policies must accept everyone!.
Deciding how rich your benefits are is a personal preference!. Generally, the higher the premium, the more predictable your day to day expenses are because you have higher benefits!. The lower your premium the more exposed you are to a large claim!.
For babies, make sure your policy covers well baby visits and immunizations as you will have alot of these in the beginning!. Also, if you are a first time parent, make sure there is no limit on the number of office visits!. Also make sure ER visits and urgent care have copays because you may be making some late night frantic visits to make sure your little loved one is ok!.
Congratulations!.
Health insurance laws vary from state to state!. I am a health insurance broker and send the vaste majority of my business through Blue Cross Blue Shield NC!. I accept no liability whatsoever for this comment, whether it was caused by: 1!. Accessing or other related actions to this comment!. 2!. Any links, and/or materials provided/attached to this comment!. I assume that all users understand risks involved within this comment and/or its attached materials!.Www@Answer-Health@Com