What is the name of your state (only U.S. law)? Florida
I had a baby with no complications in November under the insurance of Blue Options of Blue Cross Blue Shield of Florida. I checked out 24 hours after delivery and the insurance company covered my expenses and I paid my $300 per day copay. In January I received a bill from the hospital with my baby's name on it for $1,700 for inpaitent. My insurance company says they do not cover any expenses from a newborn after birth if they are not added to the mother's insurance. I did not add him onto my insurance because it was expensive, instead he has his own isurance through a different company that started in January. I thought it was a federal law that the baby was covered under the mother's insurance for up to 48 hours after delivery. Am I correct? What should I do?