Many prospective parents will askHow to buy insurance for surrogate babies in the USThe problem.

This is mainly divided into two situations: one is that you need to live and live in the United States for a long time; the other is that the baby was born in the United States, but most of the time after that I live and live in the country. In different situations, the insurance that the baby needs to buy is also different. Let me introduce you in detail~

XNUMX. American surrogate babies live and live in the United States for a long time(Parents have US status)

American insurance companies usually require parents to contact the insurance company 30 days after the baby is born (and some extend to 60 days) to add the baby to the insurance plan.Generally, contact the customer service or insurance agent of the insurance company directly, or contact the HR department of the company responsible for employee insurance, and then fill out the form or provide materials as required.

The insurance for newborn babies in the United States is basically automatically followed by the mother’s insurance. Of course, you can also choose to join the father’s insurance plan.

1. When is it appropriate to contact an insurance company?

It is recommended that parents should call the insurance company a little in advance, and do not get stuck until 30 days. Because the insurance company needs a certain amount of time to go through the process, parents can also ask the insurance company some questions about adding insurance to the newborn baby in advance, such as whether the premium will increase after the baby joins the insurance, is it more appropriate to change to an insurance plan after having the baby, etc. .

PS remind parents here,When contacting the insurance company to add insurance to the newborn, please pay attention to keeping the corresponding written materials (For example, mail, payment voucher), in order to prove that you sent these materials within 30 days after the baby was born, in case there is a dispute with the insurance company in the future, you can also have proof.

2. Do I need to provide baby materials to the insurance company?

Most insurance companies in the United States can directly access the baby's birth records through the system, but sometimes parents may also provide more information to verify, such as the baby's birth date, SSN, discharge summary, birth certificate, etc.

3. Will the premium change after the insurance plus the baby?

This depends on the specific insurance plan of the parents. Some parents’ insurance may be provided by a company or school. After the baby is added, the premium may change, or a more suitable insurance plan may be replaced.

4. How long does it take for a newborn baby to join the insurance?

Insurance companies usually need 1 to 2 weeks to complete this processAfter the baby successfully joins the insurance plan, he will also contact the parents. If the parents have not received a reply from the insurance company within 1 to 2 weeks after applying for the medical insurance for the baby, it is best to call again and ask about the progress.

5. How do low-income families apply for insurance for their babies?

Low-income families in the United States can usually apply for Medicaid, which will provide medical insurance for pregnant women and children; if the income does not meet the Medicaid standard, you can also consider applying for the Children's Health Insurance Program (CHIP), which provides children with low-cost medical insurance. Parents can check the information on the official website of their state government to see if their income level meets the application requirements.

6. Is there any problem if I don't buy insurance for my baby in the United States?

In the US, parents will be "punished" if they do not buy insurance for their babies. According to the United States Affordable Care Act (the “Obama Act”), if you do not provide insurance for your baby, your parents will not only have to pay for their own medical expenses, but will also face fines. This rule was formulated to maximize the protection of the health of American children.

XNUMX. U.S. surrogate babies return home for long-term living

If the baby is born and will return to live in China soon, then buying insurance will be divided into two cases to consider:

1. Baby's account in China

If your baby has a Chinese account, then joinBasic medical insurance provided in China is sufficient, This is the most convenient and cost-effective. If conditions permit, parents can also add commercial medical insurance, accident insurance, etc. to the baby in addition to basic medical insurance.

2. The baby does not have a Chinese account

If the baby does not have a Chinese household registration, then it is equivalent to the baby living in the United States as the United States. In this case, it is impossible to participate in the domestic basic medical insurance.Parents need to buy commercial insurance for their babies separately.

It is important to note here that the premiums of some domestic commercial insurance products will differ from nationality. That is to say, if you are holding a baby’s US passport to buy commercial insurance, you need to confirm with the insurance company. Will there be any difference in premiums and terms?

In addition to buying commercial insurance in China, parentsYou can also consider buying Hong Kong insurance for your baby, Hong Kong's insurance is for global sales and claims, without restrictions on nationality.

XNUMX. Should I buy critical illness insurance for my baby?

There are many parents who are concerned about, in addition to basic medical insurance, do you need to buy serious illness insurance for your baby?In fact, it still depends on whether parents have this need, and whether they live in the United States or China for a long time.

The insurance systems in China and the United States are actually quite different. On the US side, it is relatively rare to buy critical illness insurance for babies. Critical illness insurance is not a particularly mainstream insurance in the United States and is more popular. Is life insurance.

In China, many parents tend to add a critical illness insurance to the baby in addition to the basic medical insurance. The protection period is generally 20 years, 30 years, and life-long. The main reason why domestic parents choose to buy critical illness insurance for their babies is the convenience of insurance (there is no refusal of insurance without special circumstances, and no medical examination is required), and the comprehensive premium is relatively cheap.

Therefore, whether or not to buy serious illness insurance for the baby, it is recommended that parents still decide according to the specific needs of their families.

PS: There are also many international parents who travel to the United States to seek surrogacy. How can I buy baby’s newborn insurance? This will make different plans according to the different situations of parents. The treatment methods for single and twins may also be different. Babies born in different hospitals will also choose different insurances, whether to buy before birth or after birth, which insurance It can cover the cost of the NICU of the newborn, which depends on the specific situation.

References:https://www.healthcare.com/baby-health-insurance-newborn-18481

https://budgeting.thenest.com/insurance-cover-newborn-born-hospital-22587.html

https://www.bankrate.com/finance/insurance/adding-a-new-baby-to-your-health-insurance.aspx