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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Newborn Coverage?

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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.

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Your baby will have coverage beginning at the moment of birth. I could be wrong, but normally you have to notify the insurance company to enroll the child within 30 days of birth and pay the premium due (if any) for coverage to continue uninterrupted. I don’t believe 60 days is correct.

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