When you expand your family through the birth of a child, adoption, or foster care, you usually have 30–60 days to add your newest addition to your insurance plan. This period is referred to as a Special Enrollment Period (SEP), which allows you to modify your insurance coverage due to a qualifying life event. Here are the steps to take to ensure you get insurance coverage for your child:
Call your insurance company within 30–60 days of your child’s birth.
If the birth certificate is not yet available, provide alternative proof of birth, such as hospital documentation or a temporary certificate of live birth.
Use a placeholder Social Security Number (SSN) if necessary, such as "000-00-0000" or "Applied For," and update it once the official SSN is received.
Rest assured that once the insurance is approved, it will start the day your child was born, so any immediate doctor’s visits within the first few weeks will be covered.
To add a dependent to your policy you will need to reach out to your Insurance Carrier directly. It is important that when you connect with the Support Team for your Insurance Carrier that you let them know that you are reaching out to add a dependent to your 'Individual Health Care Plan'. If the Social Security Number (SSN) is not immediately available, notify your insurance carrier that it is pending. Be sure to update it within their allowable window, typically 60 days, to avoid any disruptions in coverage.
Once the dependents are added to your coverage by your insurance carrier, be sure to upload the new proof of coverage and add the dependents into your Take Command employee portal settings. This will ensure you receive the correct allowance rate.
