I have a new born baby that is hospitalized in NICU. I have blue shield of california and I intend to change my job. The new employer provides insurance coverage from day 1 of me joining the company. Will there be any issues with insurance for my baby if I join the new company? what are some of the things that I need to be aware of before making the decision on switching employers?
In considering switching jobs, you will want to inquire about the new employer’s health insurance coverage and ask for the benefit details. You will want to make certain that your new benefits will be comparable to what you have now, and that your current hospital and pediatricians are part of the new plan. If the new plan has a deductible, you will also want to anticipate having to meet that deductible before you begin receiving benefits from the new medical insurance policy. The other thing to consider is that you will have the option to keep your newborn insured under the current coverage for up to 36 months in California under CalCobra laws, even if you leave your current employment. You are not obligated to add your child to your new group plan, but keep in mind that you will be fully responsible for paying the COBRA premium. Hope this helps and best wishes for a quick recovery for your little one. Answer by moderator - August 4, 2009 @ 1:47 pm No CommentsNo comments yet. Leave a comment |
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Yes, this is a good question and you are wise for inquiring, given your current circumstances with the baby. I am assuming that your current coverage with Blue Shield of California is through your current employer. And, I am also assuming that your newborn has been officially added to that policy as your dependent. Newborns are automatically covered under the parent’s health plan if enrollment is received by the insurance company within the first 30 days following birth.
