LAS VEGAS - nvtip -- Having a new baby is a very exciting time, but it can also be overwhelming. Those first weeks and months of life bring a lot of surprises, but medical bills should not be one of them. Ensuring that your new baby is covered under your health insurance plan is key for avoiding hefty medical expenses.

Every parents' hope is for a healthy baby. However, even without complications, your baby's medical bills can be very high. In fact, a 2016 study shows that in the first year of life, a healthy infant's medical bills average $4,879. If you do not ensure that your baby has health insurance, then you will have to pay these bills out-of-pocket.

Does My Health Insurance Automatically Cover My Baby?
The good news is that for the first 30 days after a baby's birth, their medical expenses are covered by the mother's or father's health insurance, as an extension of maternity care. However, on day 31, this coverage ends. In order to avoid a lapse in coverage and potentially end up with exam and vaccination bills, you need to add the baby to your insurance policy. Most insurance companies will add the baby to your policy back to your baby's birth if added within the first 30 days. Otherwise, your baby may go a month without coverage if you have not called to have your baby added before the 60th day after the birth of the baby. If you wait more than 60 days to call and add your baby, you will be out of luck, you no longer have a "life event". You'll need to wait until the next open enrollment period. Please call us or check with your HR at work for details.

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What If I am Uninsured?
If you do not have health insurance, then you will have to pay for all the medical expenses, including prenatal care, the birth, post-natal care, and your baby's check-ups, out of pocket. Fortunately, there are options available that can help you avoid medical debt.

Read the full article:https://www.nevadainsuranceenrollment.com/health-insurance-coverage-for-newborns/

Learn more: https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/

Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com