Add your child to your plan
Your baby is covered under the mother’s plan for their first 31 days unless you request a change ahead of time. To continue coverage after this 31-day period, you’ll need to add your child as a dependent.
Giving birth or adopting a child allows you to get your child health insurance outside of open enrollment, known as a special enrollment period.
- If you gave birth to your child, their first 31 days of coverage begins on the day they were born.
- If you adopted your child, their first 31 days of coverage begins on their adoption date.
- In most cases, newborns are assigned to the mother’s plan medical group (PMG) for the first 31 days, unless changed by a parent (or discharge from the hospital, whichever is later).
- If your newborn is sick, they will be covered under the mother’s PMG until discharged from the hospital.
- If your newborn is well, you may choose a new primary care physician (PCP) or plan medical group.
Contact your employer’s human resources department for instructions on how to keep your newborn on your plan beyond their first 31 days.