Hello all,
I am a new immigrant planning to moving to MA and asking for help figuring out the maze of insurance system totally different from my mother nation… Thank you for any help in advance🙏.
I got an offer from a company and they say they are going to support me a CIGNA HMO plan. There are four available combinations of coverage I can choose from:
(1) Employee Only (2) Employee + Spouse (3) Employee + Child(ren) (4) Family
At first glance I thought Employee + Spouse will be my choice as there are only two (legal) members in my family now. But it dawned to me that this choice is not likely to cover the bills, if any, charged on our newborn baby since the day of delivery.
Considering this, do I need to choose Family coverage to cover our newborn from the day of birth? My start date is upcoming November and my wife's expected delivery date is April next year.
Which plan to choose when my wife is expecting?
byu/ExcitingElevator8390 inInsurance
Posted by ExcitingElevator8390
4 Comments
You would choose employee+spouse as it will backdate to family and cover the infant stay when u change it to family. Just set the effective date the day of birth
To be more specific because I’ve seen people be burned before – Employee and Spouse covers the two of you. When you have your newborn, you will have **30 days** to enroll them on your plan (you’ll talk to HR or complete it via the third party admin, whatever applies), at which point it will convert your plan to a Family policy effective the date of birth.
You need to get the plan for you and your spouse, don’t get the family plan yet. Once your baby is born then you have a few weeks after birth to add him or her to your insurance and it will be automatically be converted to a family plan.
Thank you so much u/someone13936 u/InternetDad u/ActionNo9309 🙏! It makes sense.