Wednesday, August 1, 2007

New born baby insurance

What does mother need to know about insurance for her new born baby?

A mother to be, before the birth of a child, should prepare for her own and for the safety of her own child special insurance needs that will fit both to a mother and a child. A baby does not only bring a joy to the family but also it brings some expenses that every family should overcome with a birth of a new person.

After the birth of a new person, short-terms and long-terms needs may appear such as final expenses, outstanding debts, and emergency expenses; housing payment. Many parents, who understand that education is path to the light, start saving money on the saving account for their child. The parents will prepare education needs for their children's college tuition.

A mother-to-be also should plan all the family maintenances such as child care, food, clothing, utility bills, insurance and transportation. A new-born also needs insurance because you never know if you need to take him to the pediatrician. It is especially important for a beginning mother to know how to budget her savings and provide all the necessary needs for her a new-born baby.

Every mother should know that when the baby is born, she should add her baby to her health plan. First a mother will save lots of money this way and secondly insurance for a baby is very important because a pediatrician's visit can be very costly and sometimes even unaffordable if a child is not covered with his mother's health plan insurance.

As soon as the child is born, he is provided with a social security number and when you file your tax return, you have to list your new-born social security number on your tax return. If you don't do that, then the second option is that many hospitals can help you with that.

In order to contact the Social Security Administration, you should call (1800)722-1213. As soon as you get a social security for your new-born, you should provide your health insurers about this.

You should remember that within 30 days you will be allowed to include your child's birth to your health insurance. An "open enrollment' period is provided every year, so if you will not submit for request within 30 days, you will have to wait for another year in order to add your baby to your health insurance plan.

There are many low-income families who do not know about health coverage plan therefore their kids stay uninsured. Remember that while you are still pregnant, you should apply for health insurance policy since individual insurers have an option not to cover pregnancy at all. Across the country, many kids from low-income families are provided with health care.


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