Question: My 24-year-old son is on my insurance. He gets married and stays on my insurance. His wife is covered on her father’s insurance. She gets pregnant. Her insurance has no maternity coverage. How do they get maternity coverage? How does the baby get insurance for post-delivery?
Answer: Getting maternity coverage for your daughter-in-law is impossible once she is pregnant. The baby is covered for the first 30 days after birth by her insurance coverage. Thereafter, the newborn can be insured under his or her own child-only health insurance coverage within the first month after birth.