Health Insurance for Adopted Child

Health Insurance for Adopted Child

Congratulations on the new member of your family! Whether your child comes to you through adoption or foster care, his/her addition is considered to be a qualifying life event as long as it happened within the last 60 days. This means that you won’t have to wait until the next Covered California open enrollment period to secure a Health Plan for him/her. Not only that, but your entire household qualifies for special enrollment. So along with purchasing a plan for the new member of your family, you can also shop for coverage for yourself and the rest of your household.

On the other hand, you also qualify for special enrollment if your child was placed for adoption or into foster care in the last 60 days.

Please note, that if your child came to you through foster care you’re going to need to select “adopted a child” as your qualifying life event.

How Adoption Impacts Your Health Insurance

Whether you’ll be adopting or fostering a child or placing your child up for adoption, you’ll want to notify your health insurance provider as soon as possible. You’ll most likely need to show proof of these qualifying life events by providing documents like birth certificates and adoption records.

When these events happen, you’ll be able to either make changes to your existing coverage or buy new coverage. Typically, after you select your plan, you can expect your coverage to start on the first day of the following month. Even if you never qualified for federal financial assistance, you may now be eligible for state financial assistance based on these changes.

Discover the Plan That’s Right for You

If you’re adding an adopted child to your health insurance and need help navigating the process, Health for California is here for you. Our agents are licensed by both the California Department of Insurance and Covered California, making it easy for you to get expert guidance every step of the way.

We’ll help you find the plan that’s right for you while making sure you take advantage of any benefits you might qualify for, from cost sharing to a government subsidy.

Along with offering all kinds of plans, you’ll be able to receive a quote in just 30 seconds, with access to the most affordable rates from several different providers in your area.

Want to learn more about our simple application process and free services? Contact us today to receive a quote.