What is the name of your state? New York
I have a question for the newborn health care coverage. I have been told by doctors that newborn is covered by the mother's insurance for her first 30/31 days regardless of future enrollment or not. However, I received a letter yesterday from the hospital said the insurer denied the claim for my newborn for the reason "baby is not active on the time of service". Yet, the claims from her pediatrician were paid. I got puzzled. I called up the health provider trying to resolve it, and the rep said the baby is not coverage for the first 30 days unless she was enrolled into the plan at birth. AT BIRTH ? There is no way we can enroll her at birth, when both baby and mother still in the hospital, and the birth certificate was not even received almost 1 month after the baby was born.
Since the doctors and the insurer contradicting each other. I want to know who is correct. I have my wife dealing this with her health administrator on the mean time.
* The baby is currently enrolled with the State. It's cheaper and LESS HASSLE than going through with my wife or my employer's insurance policy.
Thanks in advance.