Having a baby comes with plenty of excitement – and plenty of new decisions. Your health insurance is one of them. Here are a few tips to help you make sure your growing family has the coverage it needs.
- Add Your Baby to Your Health Plan - Contact your insurance company or employer’s benefits department after your baby arrives to find out how to add your newborn to your plan. Don't wait until the last minute – there are specific deadlines for adding a dependent.
- Review Your Coverage - Your healthcare needs may change after having a baby. Review your plan's premiums, deductible, copayments and out-of-pocket maximum to understand what you may pay for your care and your baby's care.
- Check Your Pediatrician - Before choosing a pediatrician, confirm that they're in your health plan's network. This can help you avoid unexpected out-of-network costs.
- Understand Your Baby's Benefits - Newborns typically have their own healthcare needs, including well-baby visits, vaccinations and screenings. Review your plan to understand what's covered.
- Keep Important Information Handy - Save your baby's insurance information, pediatrician's contact information and any paperwork from your insurance company in one place.
- Review Your Plan During Open Enrollment - Having a baby can change what coverage makes sense for your family. During your next Open Enrollment Period, take another look at your options and compare plans based on your family's needs.
A little preparation can go a long way. Understanding your health insurance now can help you focus on what matters most –
your growing family. 
