Ask the Health Insurance Expert
QDo I have to tell my health insurance company that my wife is pregnant? She is on the policy already.
No, you don’t need to contact your health insurance plan to let them know your wife is pregnant. She is automatically covered for maternity benefits.
The Affordable Care Act (ACA) says that pregnancy, maternity and childbirth health benefits must be covered by both individual and employer-sponsored health insurance plans.
Even if your wife’s pregnancy began before she was insured under your health insurance policy, her maternity needs will be covered.
Once your baby is born, you need to call your health insurance company to add the newborn to your policy within a given time frame, normally 30 days. If you miss this window, you’ll have to wait until the next open enrollment period to add your baby. If you miss the deadline your baby will be uninsured.