Medical Bill and Insurance Planning When You Are Expecting

  • Work with your HR department (or directly with the insurer) to formally add the newborn to your insurance. To do this, you will likely need to fill out an application specific to this situation, and you normally will have about 30 days to complete it (but check with your insurer to be sure).
  • Follow your medical bills along by reviewing the Explanation of Benefit (EOB) forms as they are received and comparing them with the statements from your providers. Keep in mind that you may have four separate providers in play during this process -- your OB/Gyn, the hospital, the pediatrician, and perhaps an anesthesiologist or surgeon. Each may have a different look and feel to the statement, and may be paid at different times by your insurer.

Ultimately, just remember that you, your healthcare providers, and your insurer are all on the same team. Everyone just wants your baby to come home healthy and for you to be able to focus on your newborn, not your pocketbook. A little preparation and some timely questions along the way will make a big difference in making the process go smoothly.

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