Newborns need insurance too

By January 11, 2018 December 18th, 2018 Personal Insurance
Newborns need insurance too

Fort Wayne, Indiana parents know expecting a new baby is an exciting time in one’s life, but it also requires a lot of planning. The beauty about planning ahead of time is that you are making room for all of what needs to be changed around the home to welcome in a new member of the family. That includes adding a car seat to your car, having a big enough car for a car seat, finding a pediatrician and of course, adding a new member to your insurance.

If you hadn’t even thought about those changes that need to be added to your to-do list, do not panic, because we are here to help you through it all! It’s easy to remember the basics like learning how to change a diaper, having a crib and buying cute little newborn clothes, but why would a baby not require insurance? It is an important part of existing in this world. You don’t want to put your new little piece of joy at risk in a vehicle or not be able to afford health insurance during such a crucial time for growth. So how does one get insurance for a baby? It’s simple!

Evaluate Coverage

Planning a lifestyle for a new baby requires a lot of time, and this part requires more of it too. It’s nothing that either parent doesn’t already know, but it is clearer when discussed together onto an organized file. For single parents that will share custody, find a time to get together to discuss the better plan out of the two of you. Figure out what each employer offers and work out the numbers on the better plan to support one more. Adding a dependent to your plan may increase the cost of your premium, so that is the perfect reason why you should have a certified insurance agent guide you through this step.

Contact Provider

We recommend that you do so within thirty days of the birth of your child. You want to make sure that you meet the deadline for adding a new dependent to your policy. Some plans require documentation and a whole new set of paperwork for a baby’s medical care for the first months to be covered.

If your insurance is provided by an employer, get in contact with your human resource department to get the enrollment application forms filled out. It can take several weeks for your child to receive their social security and other certifications, so plan accordingly just in case they need immediate medical checkups.

Conclusion

Bringing a new life into your family is a wonderful moment to cherish forever. Take the proper precautions to have your child’s first weeks be covered with insurance for their health and safety. This will make your life stress-free from the documentation and leave all the focus for you to nurture your new baby. While health insurance is the one type of insurance Myers and Hayden Insurance doesn’t offer, give us a call at 260-486-5255 and we can direct you to a qualified health insurance specialist right here in Fort Wayne, Indiana.