New Baby Means New Health Insurance Options
So you just had a baby! Congratulations! Babies bring so much joy to people’s lives and having a new baby is such an exciting time in a parent’s life – especially for new parents. It can also be scary when entering parenthood for the first time, and its understandable! Your life is about to change forever. There are so many things that need to happen before your baby comes, and one of those things is making the change to your health insurance policy.
Health insurance policies have what is called a Qualifying Life Event (QLE). This means that events like having a baby allow you to enroll outside of the Open Enrollment Period. As you get closer to the due date of your baby, you have some time before you must think about adding your new baby to your health insurance plan. While you automatically have 30 days of coverage for your baby on your health insurance plan, once those 30 days are up, your new child will need to be added to your coverage plan.
One of the many changes that come along with parenthood is your healthcare plan. Continuing your current plan might not make sense now that you have a baby because a baby can change the overall expected healthcare use. Make sure that when your healthcare plan changes, you are examining plans that are available to you and that make the most sense for your family. Most insurance plans have expecting mother’s programs as well! So prior to your little arriving, make sure you call your health insurance provider to see what your plan offers.
Without health insurance coverage, you could very well end up with extremely expensive medical bills that ultimately will place a strain on your new family. Making sure to utilize the qualifying life event’s open enrollment period can make it so that you are prepared for anything that might happen.
It is a good idea to start looking for a family health insurance policy before you give birth, being prepared to best! Plan IV has a team of highly skilled individuals who are excellent at showing you your options and trying to find the best possible plan for you.
Trust Plan IV for Information on Life Insurance Policies
If you do not have a healthcare plan, our experts in health insurance and benefits services at Plan IV will take the time to evaluate your specific requirements to identify which healthcare plans meet your exact needs and budget. Whether you need Medicare supplement plans, best short term health insurance plans, best long term care insurance plans, supplemental health insurance, dental and vision coverage, payroll or Prime Pay services, HR outsourcing Michigan, and more, we can save you time and money and give you peace of mind.
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Call Plan IV for a priority health quote at (248) 689-4910. Or, if you have questions about our plans or services, reach out to us through the contact form on our website!