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Aug 30, 2009
Aug 30, 2009 
7 Comments 
7 Comments
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Your doctor is wrong. The rule is that you have 30 days to add your baby to your policy, otherwise he/she is not eligible for coverage under your plan until your company’s open enrollment period. Your employer is absolutely correct in requesting the additional premium for your new child.
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For the correct answer on this, contact the insurance company directly and they can tell you the specifics of your policy. Every insurance company is different.
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Oh, it’s NOT free. You’re covered for the first 30 days, meaning you have up to 30 days to add him to MOM’S coverage. You have to PAY the additional premium, if there is any, retroactively to the date of birth.
If you’re switching your plan from “employee and spouse” to “employee and family”, there will be a premium change. The change is made effective the date of birth. For us, we already have kids, we’re already ON “employee and family”, so there isn’t any additional premium.
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I doubt that’s true. Just pay it. It’s for your child.
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try this please
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mbrcatz17 is right, the 30 day is where the child is automatically covered under the plan, after that if the child isn’t added to the plan (during that window) then provided that your employers plan is a pre-tax plan, you would have to wait until open enrollment to add your child. You still have to pay the difference in premium, unless as mbrcatz stated, you already have a family plan, then no additional premium is required. It’s always best to confirm with your insurance company but that is fairly typical amongst the insurance world. Good luck and congrats on your new baby.
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Listen to your employer. Yes, they can pro-rate your premiums for the baby. Yes, it is legal. The doctors are idiots. They don’t know anything about insurance & should keep their mouths shut, instead of blindly leading you in the wrong direction. Check in your benefit book under ‘eligible dependents’ There’s probably a small clause that states the EE may be billed for any premium amounts due to increase, etc. in the even of a life status change.
