Health insurance question

kristakayyye

So not sure if anyone knows the answer or not, but I have blue Cross Blue Shield federal (covered under my dad's plan). Does anyone know how long it'll cover my baby once she's born? I have a feeling I'm going to go into labor this weekend and I don't have a scheduled meeting for her health insurance until Tuesday 

lcq5504

I'd suggest just giving them a call.  The number should be on the back of your card.  Good luck!

bntfroggie

Yeah I think your best bet is to call.  I'd be surprised if it covered baby at all, since she's your dependent not your dad's, but I haven't really had to run into this at all.

Parker16772

My insurance (I am the primary) covers the baby for 30 days before he has to be added on as a dependent but I am honestly not sure since you are technically the dependent on your dad's insurance. Like PP's said I would suggest calling the number on your card to be sure. 

cmerribury

Yes, call for sure. I would assume that once you step foot outside of the hospital she won't be covered at all. She should be covered with you while you're there, though.

tJaffe

I'm the primary on mine with BCBS and they cover baby 30 days after birth but then he'll need to be added to the policy as soon as we get his SSN and figure out his name. 

diablesse

Healthcare.gov considers labor (and post natal care) a special circumstance, so worst case scenario, you'd be able to enroll for that at any time and it will be covered.

FutureMrsCaesar

Usually 30 days but definitely call asap to find out. 

Katherine8908

I had bcbs under my father with my first son and his hospital stay was covered nursery stay, first check in the hospital by the pedi ect. but after that he was not covered I believe it was the first three days he was covered.
  after that I got him child health plus through nys if thats where you live?  it goes by income I paid $30 a month and its very good insurance better than what was offered through my job no copays, no cost prescriptions I love it.

danielleg1992

I also am on my fathers blue cross blue shield and had my baby 11days ago and we had a 9 day hospital stay. We just got the notice that my dads covered her for 7 days of that stay....I was shocked. 

kfarr26

I'm shocked any if it's covered for you or baby.  I was under the impression that maternity care of any kind was excluded if you were on a parent's plan.  As others have said, you just need to call and see.

cmjenkies

kfarr26 said:

I'm shocked any if it's covered for you or baby.  I was under the impression that maternity care of any kind was excluded if you were on a parent's plan.  As others have said, you just need to call and see.

*Lurking from April*

Definitely not correct. If you are a covered entity on an insurance plan, as a primary OR a dependent, it's federal law to have maternity care be covered since 2014. 

DS was born in 2011 while I was a covered dependent, MY care was covered as was his first check up in the hospital. Although I am married now, I am still a covered dependent on family insurance until I turn 26 (2 weeks after LO is due, actually. I pay the premiums for myself, dad, and sister - although that's another situation entirely). I will be switching to work covered insurance once I'm discharged from hospital and DD will go on DH ins with DS. Nevertheless, this pregnancy and delivery is covered at 100% under my current plan as is the baby's initial once over. I'm currently on a federal APWU Cigna plan. Call your insurance for specifics. 

kfarr26

I guess what was common prior to 2014 was my understanding, then.  I graduated college prior to all the changes, so I was literally kicked off my parents' insurance the month I graduated and have had my own coverage since I was 21.  Anything that's happened since then regarding dependent care hasn't been my concern, so my fault.  

gracehopper27

When I first got pregnant months ago, I was still on my dad's plan. Because it was a grandfathered plan, they refused to cover any prenatal care at all. It's my understanding that some grandfathered plans are allowed to exclude dependent prenatal care and L&D, so I would definitely recommend calling your specific insurance just to double check.

kfarr26

gracehopper27 said:

When I first got pregnant months ago, I was still on my dad's plan. Because it was a grandfathered plan, they refused to cover any prenatal care at all. It's my understanding that some grandfathered plans are allowed to exclude dependent prenatal care and L&D, so I would definitely recommend calling your specific insurance just to double check.

Hate that you dealt with this!  I was so sure I'd heard recently (maybe even on this board a while back) that maternity care wasn't covered for dependants, so the grandfathered plans have to be why I was mistaken about what the norm was.  It seems a bit ridiculous that such a huge women's health issue could be blatantly excluded like that!  

Christine&Chris

kfarr26 said:

gracehopper27 said:

When I first got pregnant months ago, I was still on my dad's plan. Because it was a grandfathered plan, they refused to cover any prenatal care at all. It's my understanding that some grandfathered plans are allowed to exclude dependent prenatal care and L&D, so I would definitely recommend calling your specific insurance just to double check.

Hate that you dealt with this!  I was so sure I'd heard recently (maybe even on this board a while back) that maternity care wasn't covered for dependants, so the grandfathered plans have to be why I was mistaken about what the norm was.  It seems a bit ridiculous that such a huge women's health issue could be blatantly excluded like that!  

Yep, this. We found out in the 11th hour that our 2015 insurance would be considered "grandfathered" and provided no maternity coverage at all. Knowing we were going to try in 2015, we were luckily able to switch to a personal plan and get coverage. But, it's still true that not all health insurance covers maternity.... Hope you got some answers kristakayyye  and it's working out for you.