Question: I am pregnant with a due date around March 20th. How much time do I have to get my baby covered? What if the open enrollment period is over? Will they cover a newborn back to the date of birth?
Answer: The effective date of coverage for a newborn can be the date of the birth as long as the Covered California is notified within 60 days. If the 60-day deadline is missed, the baby cannot be enrolled until the next annual open enrollment period. Premiums would be pro-rated for the month, based on when the child was added to the policy. The same rules exist for the adoption of a child.