Cost of Health Insurance for a Baby in NC
If you are expecting or have a newborn and are trying to decide the best way to provide health insurance for your baby here are a few things to consider.
- If your employer offers health insurance, find out how much it will cost per month to add your new baby to your employers plan. If you only have one or two children, you may be able to save money by purchasing an individual health insurance policy. Unlike your employer’s plan these plans can be customized to fit your family’s needs and budget. You can purchase a very good plan for a healthy baby for around $125.
- If you decide that and individual plan is best for your baby you should apply for coverage just as soon as possible after birth. This will help ensure that your baby is protected and that you receive the best possible rate.
- Look for plans that have a low copay. Newborn babies require numerous doctor visits so it may be wise to have a higher premium in exchange for a lower copay during the first couple of years.
- Before you buy a policy on your baby make sure that the insurance company has an adequate network in your area. Most companies have a search tool that allows you to search to determine that your doctor and local hospital are part of their “in network” services.
- All health insurance rates are regulated by the NC Department of Insurance so you will get the same price for a specific policy no matter where you buy from it. By working with a broker like us, you get personal service and an experienced team who understand the needs of new and expecting parents. Click here to request a quote today or call us at 866-788-9591.
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