Insurance

daniandbri

Does anyone have any insight as to how the baby is covered on health insurance after birth? I should add that I'm in Florida and mom can sign after 48 hours. However I'm under the impression finalization won't happen for another 30 days or more. How is the baby covered for routine doctors appointments until then?

Dr.Loretta

You can contact your insurance company, or your company's HR department, and they will set it up for you. Usually as long as they have the preliminary adoption paperwork, they'll immediately cover your LO.

We adopted DD after she was already born. We got The Call on a Thursday, took her home Friday, and she had her first appointment Monday. Everything was covered from there on, even though her adoption wasn't finalized for 7 months.

maryoosa

I second Dr. Loretta. Baby was covered under birth mom's insurance while in the hospital- once transferred to our care, baby is under our insurance- we have to send the insurance company any documentation we have about placement within 30 days.

aligross

Our HR Rep. actually just contacted us about it this week (after he had gotten our request for employment verification and insurance verification!). He sent us the information that we will need. Essentially, if it is a DIA it's no different than a biological child. 

I would highly recommend contacting your HR representative or your insurance provider and ask them the steps that are necessary. We aren't even home study approved yet, but our insurance provider knows that a child may be coming on our insurance in the future!  

daniandbri

Thanks ladies! Will be contacting them today. Appreciate your help!

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