How To Adopt A Child That's Not Yours

at ehealth, we love to get phone calls fromnew parents. they typically want to know how to add a newborn or newly adopted child totheir health plan. the next annual open enrollment period, when anyone can add or change theirhealth coverage, is currently scheduled to begin on november 15th of this year. outsideof the annual open enrollment period, the affordable care act, obamacare, considersthe birth or adoption of a child to be a qualifying

How To Adopt A Child That's Not Yours, event for a special enrollment period. a special enrollment period gives you 60 daysfrom your child's birthdate or adoption to add them to a new or existing health plan.when you apply for coverage, it's a good idea to have a copy of the child's birth certificateor adoption documentation available, in case

your insurance company requires it for verification.as long as you apply within 60 days, your child's effective date of coverage will betheir birthdate or adoption date. and your health insurance premiums will be proratedfor the month, based on when the child is added to the policy. be aware that all new major medical healthplans provide certain benefits for your child with no out of pocket costs. for example,you'll get no less than 16 major recommended immunizations. no less than nine recommendedscreenings in your child's first year. and screenings and counseling for major illnessesas well as prevention from obesity and depression as they age.

if you miss your 60 days special enrollmentperiod, you may not be eligible to enroll your child in a major medical health planuntil the next open enrollment period. and it's likely their coverage could not beginbefore january 1st of next year. if you miss the 60 day deadline, we encourage you to lookat short-term health coverage as an alternative to gain some measure of protection until you'reeligible to apply for major medical coverage again during the open enrollment period. short-termcoverage does not meet the requirements of obamacare. so, you may still be subject toa tax penalty.