Our future child will be covered by BCBS (group plan). When I called, the rep stated you have 30 days after the birthdate to add the child. I then asked, if the child is born let's say premature and they begin acruing individual medical bills from day one, will the health coverage added within 30 days cover the acrued medical bills?
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Yes, the health insurance backdates to birthdate, as long as you register the child within the specified time. In the meantime, the bills go unpaid until the insurance company knows about the birth.
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