Understanding Your Insurance Rights

Health Insurance

  • Collect the latest paperwork on the health insurance coverage both you and your spouse may have. Also, check the company's Web site for any recent updates. Review the options both of you may have in order to decide which plan will suit your new needs as a family. Does one cover well-baby care? Or include pediatricians you are considering?
  • Talk to the benefits specialist at your company regarding your health insurance coverage. If you are thinking of keeping both policies for the additional coverage, be sure to understand your plan's "coordination of benefits" clause. In some cases, insurance companies don't allow duplicate coverage or agree to pick up coverage where another policy leaves off.
  • Remember to notify your insurance provider in writing after the baby is born. Many insurers will refuse to cover a baby's medical expenses after one month unless they receive this document.

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