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Insurance for a newborn

Posted on 6/19/23 at 6:42 pm
Posted by tProvidence
Member since May 2023
43 posts
Posted on 6/19/23 at 6:42 pm
Just had a baby boy a week ago and the delivery and insurance and all was a breeze at the hospital. Filing him under my Ins until I get his social # and then I can get him his own card, etc.

Made an appt for a pediatrician and the lady working the phone and the desk made it seem like such an issue that he didn’t have his own insurance and couldn’t process the fact he was born 48 hours before. Went back for a week checkup and made another stink about him not having insurance and made it clear that she could not file under my ins, when in fact it’s been done for years now with other parents and kids. You work at a pediatricians office for christs sake.

Made another appt with a different doctor over it. Why would I bring my child to an office where they can’t even get the paperwork correct?
Posted by NoHoTiger
So many to kill, so little time
Member since Nov 2006
46091 posts
Posted on 6/19/23 at 7:08 pm to
When I worked in insurance, newborns were covered under the parent’s name for the first 30 days. As long as you call the insurance company and tell them the baby was born and give name and date of birth shouldn’t be an issue.

But, maybe things have changed.
Posted by Klark Kent
Houston via BR
Member since Jan 2008
72825 posts
Posted on 6/19/23 at 7:19 pm to
still that way for us.
Posted by Bestbank Tiger
Premium Member
Member since Jan 2005
78835 posts
Posted on 6/19/23 at 7:21 pm to
quote:

When I worked in insurance, newborns were covered under the parent’s name for the first 30 days. As long as you call the insurance company and tell them the baby was born and give name and date of birth shouldn’t be an issue.

But, maybe things have changed.


Tricare puts them under the mom until 90 days after birth.

Alabama Medicaid enrolls them before they're born and updates the name/sex/DO B when they know it.

A pediatrician's office should know how to handle newborns under each insurance. It's literally what they do.
Posted by ike221
Loo A Vul
Member since Aug 2006
13856 posts
Posted on 6/19/23 at 7:22 pm to
Insurance is a scam

Just say no
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
147992 posts
Posted on 6/19/23 at 7:24 pm to
Are you a woman? I don't know why but it seemed standard and recommended to file on my wife's work insurance for the first 30 days before Jr and Jr2 was switched onto my insurance
Posted by SuperSaint
Sorting Out OT BS Since '2007'
Member since Sep 2007
147992 posts
Posted on 6/19/23 at 7:25 pm to
quote:

Made an appt for a pediatrician and the lady working the phone and the desk made it seem like such an issue that he didn’t have his own insurance
prolly pissed all her hoodrat friends had juneteenth off
Posted by tProvidence
Member since May 2023
43 posts
Posted on 6/19/23 at 7:48 pm to
Someone who finally understands…

Posted by When in Rome
Telegraph Road
Member since Jan 2011
36156 posts
Posted on 6/19/23 at 8:03 pm to
quote:

newborns were covered under the parent’s name for the first 30 days
This has been my experience
Posted by Gee Grenouille
Bogalusa
Member since Jul 2018
7506 posts
Posted on 6/19/23 at 9:53 pm to
Should frick the receptionist to establish dominance
Posted by LemmyLives
Texas
Member since Mar 2019
13108 posts
Posted on 6/19/23 at 10:00 pm to
quote:

Why would I bring my child to an office where they can’t even get the paperwork correct?


This is key. I've been in medical/dental offices (and many, many, many other places) where forms with clear text SSNs were stored in publicly available spaces, and they didn't think there was anything wrong. I've walked from medical/dental when I get shady answers with why they kept asking me for an SSN they either already had, or didn't need.

*Especially* with kids (and medical care), great care must be paid because you're not putting a newborn with a new SSN on credit monitoring. Therefore, fraud won't be detected for years, or decades, until they try to get car insurance, etc.
Posted by SeasonOfSam
SELA
Member since Dec 2014
503 posts
Posted on 6/19/23 at 10:07 pm to
My infant is less than four months old and we were in the same boat—putting her on my insurance, not my wife’s. I asked this question to the billing lady and she said they take my insurance info, then just hold the claim for a couple of weeks to give me time to get the cards in. Wasn’t a big deal at all.
Posted by Mud_Bone
Member since Dec 2021
2357 posts
Posted on 6/19/23 at 10:25 pm to

Just find another doctor and be grateful that is the only issue you are having to deal with.
Posted by Mockingbird2008
Member since Jun 2022
133 posts
Posted on 6/19/23 at 10:31 pm to
I’ve recently learned that anyone with less than RN at a doctors office is pretty incompetent and should be ignored.
This post was edited on 6/19/23 at 10:33 pm
Posted by LSUFanHouston
NOLA
Member since Jul 2009
40170 posts
Posted on 6/19/23 at 10:50 pm to
30 days to get it sorted with insurance, typically cokes under moms coverage until then.

If you are dad, maybe that’s throwing them off?
Posted by Crimson1st
Birmingham, AL
Member since Nov 2010
20684 posts
Posted on 6/19/23 at 11:00 pm to
quote:

Insurance is a scam


Sure…until shite happens and you need it.
Posted by cwil177
Baton Rouge
Member since Jun 2011
29549 posts
Posted on 6/19/23 at 11:06 pm to
Google review explaining why you left the practice. That’s the only way this sort of thing gets fixed.
Posted by auggie
Opelika, Alabama
Member since Aug 2013
30854 posts
Posted on 6/19/23 at 11:09 pm to
Too young to drive IMO.
Posted by X123F45
Member since Apr 2015
29428 posts
Posted on 6/19/23 at 11:55 pm to
quote:

Filing him under my Ins until I get his social # and then I can get him his own card, etc.


You should set it up before. You don't actually have to wait.

Also, there is a time limit during which he can be added.
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