Welcoming a new member to your family is one of life’s most rewarding and fulfilling experiences. Whether you are adopting a new child or an older child, adoption is treated as a “qualifying life event” that allows you to purchase health insurance. A qualifying life event triggers a special enrollment period that allows you to put health insurance in place for your new family member without waiting for the annual open enrollment period.
Verify authorization for a specific registration period (SEP)
You may need to submit documents to prove eligibility to register your adopted child during the special registration period. You will need to file the legal adoption documents for your child. You have 60 days from the date of adoption to register your child and add it to your health insurance. If you miss the 60-day deadline, you must wait until the open registration period.
Add an adopted child to your current health insurance
Your health insurance must cover an adopted child, just as they are for biological children. According to the HIPAA Act of 1996, the insurance company can not refuse child health insurance due to an existing permit. To ensure that your new family member is covered by health insurance, save a file with the official documents regarding the adoption to submit when you apply for health insurance. If you have adopted a child from another country, you may be required to present the immigration and adoption documents.
Every adoption and every child is unique. If you are adopting a child, you want to make sure they have health insurance. To make the process easier, call one of our local agents to help you with the process. Make sure you arrange health insurance within the time window that allows you to benefit from the special registration period, whether your child is an infant, a toddler or an older child. The special registration period expires after 60 days. We guide you through the entire process so that your child gets all the benefits of your health insurance plan.
Your new family: The health insurance your child needs
Most adoptive parents have health insurance and need to add the child to the insurance. This process is relatively easy to complete. Our agent will work with you to add your new child to your existing policy. You can expect your premiums to be slightly higher when you add a dependency to your insurance. Under federal law, all health insurance companies must cover adopted children without any restrictions associated with pre-existing health conditions and must do so as soon as the family assumes financial responsibility for the child – the legal criteria in the federal charter.
State laws vary slightly, but you can expect to be able to add your child to a health insurance plan through your employer without any problems. If you are self-employed or have an individual plan, the process will vary, and our local health insurance agent can help you find the best plan for you and your growing family.