How do you get health insurance for a newborn?

I am 19 weeks pregnant and read in a book about picking out a peds dr to examine my baby at the hospital. But I don't have insurance on her yet. How do you get insurance for a newborn? Me and My boyfriend are both covered by our parents insurance until we graduate college and we can't just add her on there. How do you get insurance for just a newborn and how much would it cost? And where do you go to? Also last year I made 25000 so I don't qualify for much government stuff. Thanks
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Unless the baby goes onto an employer group plan, Medicaid, or some other type of government insurance, you won't be able to insure him/her at the time of birth. To get enrolled in a private insurance plan (one you purchase yourself), the baby needs to "pass" their early medical checkups. It may be several months (up to a year even) before you can purchase insurance for the baby after he/she is born. And if that newborn is born premature or has any medical conditions, they may be uninsurable. (Meaning - you won't be able to purchase a policy for them at all. No company will take on the risk.) Your best bet is for either you or the father to get a job that comes with insurance benefits, or to make sure that the baby qualifies for some type of government insurance. Purchasing your own policy will be very difficult, and even if you're able to buy one, it will be expensive. If you'd still like to hear your options, insurance-wise, you should contact an insurance agent in your area.
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