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Home Birth and insurance (for baby), also SS#

StefandToddStefandTodd member
in Natural Birth

I'm planning to call my insurance company to clarify, but I thought I'd check if anyone has experiences with how insurance, etc for baby works when you have a home birth.  For my sons hospital birth, they assigned him a medical record number right away, but treated him as if he was me, basically and for insurance purposes, for the first 6 weeks.  I had to get him a ss# before I could sign him up on my insurance.  I may want to take this baby in at 2 weeks or so to our family pedi...how has this worked for people in the past?  Insurance company still honor that they are an "extension" of you during that time?

I'm also anticipating he may have a tongue tie and need to see an ENT right away (I had one, my first son had one that made BFing difficult and we waited 6 weeks to have it clipped...6 awful weeks that I don't want to go through again), so this is another reason I can see needing him covered right away.  Any thoughts?

I know it's a longshot, but I have Kaiser, so they're definitely not out-of-network friendly and I will be footing the HB bill 100%, I'm sure of it.

TIA for any thoughts :)

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Re: Home Birth and insurance (for baby), also SS#

  • wifeofadamwifeofadam member

    With my homebirth, we were given the paperwork for the SS# prior to the birth.  My husband went and filed it the day after the baby was born and we got the SS card in the mail a few weeks later.

    As far as insurance goes, we files all the necessary paperwork prior to the birth and then DH called his employer's HR office with the birthdate, name and all other necessary info the day after the birth.  Once we were given the SS# he gave them that too.  In the meantime, I believe the baby is covered under your insurance.  There is a window of time that this happens. 

    With the HB and insurance.  I have anthem and we were told they wouldn't cover anything and at the most they would apply things to our out-of-network deductable.  We were pleasantly surprised to receive a check in the mail 6-7 weeks after the birth.  They ended up covering about 30% of the birth.  Yay for awesome MWs who know how to code things!!

        
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  • AmyRIAmyRI member

    Regardless of where/when/how baby is born, my insurance instructs people to call and add the child to the policy with full name and birth date. Then once we get the SSN, we also give that.

    Pedi's office and ENT (as we did a tongue clip at 5 days old) didn't care about where he was born either, and didn't require any sort of records number. They just told us to make sure we added DS to the insurance so we wouldn't be billed directly. We reported the birth early enough to insurance and the doc offices billed insurance late enough that everything was processed properly (and I believe this all happened before we got the SSN).

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  • kegallaghkegallagh member
    I had Kaiser with my first. He is covered under you for the first 30 days as "Baby Boy." Just call within a few days of his birth to add him to your insurance. I didn't have to provide SS# at that time; I just updated them with it once he got one.
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  • StefandToddStefandTodd member
    Great, thank you for the information!  I figured as much and planned to call but appreciate some reassurance of how it all worked out. :)
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  • CelynCelyn member
    Hi Stef.  There's a really great dentist who clips tongue ties (and lip ties too).  Several of the ladies in our LLL chapter have been to him and have been pleased with his work.  He uses a laser.  I can send you his info on FB if you want it.
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  • meltoinemeltoine member
    My insurance covers baby 100% for 60 days after birth and then partial coverage for the rest of the first year, even if I do nothing. All I have to do is bring in his birth certificate and SS# before the 60 days are up and baby remains fully covered. 
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  • *LrCg**LrCg* member
    My insurance covers homebirth 100%.  Newborns are covered right away regardless of place of birth.  As for birth certificate and SS# we had to get paper work from our County's Health Department (its useful to get it prior to giving birth so you can fill out most of it) and us and our midwife just completed and turned it in a few days after birth.  Our first pedi wanted to see our first born 2 weeks after birth (which made no sense because midwife is there the day of, day after and a week later) but we did it anyways and he was covered.  Now with our 2nd child, our current doctor said to wait for 1 month since clearly she was getting enough care through the midwife. 
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  • StefandToddStefandTodd member
    imageCelyn:
    Hi Stef.  There's a really great dentist who clips tongue ties (and lip ties too).  Several of the ladies in our LLL chapter have been to him and have been pleased with his work.  He uses a laser.  I can send you his info on FB if you want it.
    That would be great, thank you!!  My MW has a house-call pedi whose info she gave me too and she thinks he will clip too.  So, it'll be good to have a couple options to consider beforehand.  I appreciate it! :)
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