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How do I add a baby to my company's health plan?

If you are expecting a baby and you are covered by a group health insurance plan, you need to be aware there are rules that apply when adding your baby to your coverage.  When the baby is born, it is called a "qualifying event".  

Since the baby is now a separate person from the mother, they need to be covered by your insurance as a dependent.  The health insurance carrier will not automatically add the baby to your plan.

The rule is the baby must be added within 30 days of the date of birth.  You do not need to wait for the baby to receive a Social Security Number (SSN) in order to add them to your group health insurance plan.  Notify your human resources within 30 days of giving birth that you need to add a new dependent to your health plan, and they should take it from there! 

In regards to the SSN, most insurance companies want to know when it has been issued. All you have to do is simply call the Member Services number on your ID card to tell them the newborn's SSN.


Bernard Health, Affordable Group Health Insurance, Individual HSA Nashville, Group Health Insurance Tennessee

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