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Health Insurance Coverage for our new born?

We have a one week old baby and I was told repeatedly by doctors/insruance agencies that our new baby is covered under our family insurance for 1st month (for first 30 days) for FREE. My employer still asked me to pay the difference for first month. Can anybody guide me to a policy or guidelines on web about this?

Oh, it's NOT free. You're covered for the first 30 days, meaning you have up to 30 days to add him to MOM'S coverage. You have to PAY the additional premium, if there is any, retroactively to the date of birth.

If you're switching your plan from "employee and spouse" to "employee and family", there will be a premium change. The change is made effective the date of birth. For us, we already have kids, we're already ON "employee and family", so there isn't any additional premium. Source(s): agent, 21+ years

Your doctor is wrong. The rule is that you have 30 days to add your baby to your policy, otherwise he/she is not eligible for coverage under your plan until your company's open enrollment period. Your employer is absolutely correct in requesting the additional premium for your new child.
For the correct answer on this, contact the insurance company directly and they can tell you the specifics of your policy. Every insurance company is different.
Licensed Life and Health Insurance Agent
I doubt that's true. Just pay it. It's for your child.
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