dcsimg

Get quick & easy health insurance quotes

Yes
No
Yes
No

Ask the Health Insurance Expert

Q

Do I have to tell my health insurance company that my wife is pregnant? She is on the policy already.

A

We're pregnant written in sandNo, 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.

Here are 3 insurance moves to make if you're pregnant.

Last updated: Jan. 12, 2016
By
Ask the Insurance Expert
Penny Gusner Consumer Analyst
Penny Gusner has been working in the insurance business for more than 10 years. She researches your questions, from the routine to the bizarre, with equal enthusiasm. Read More

Comments

Tell us your thoughts

0 Responses to "Do I have to tell my health insurance company that my wife is pregnant? She is on the policy already."

No Comments

What do you think? You can add a helpful comment to this page by filling out the form below.