New baby? You have 60 days to add them — and you don't need the birth certificate yet.
Having a baby is a Qualifying Life Event — you get a 60-day Special Enrollment Period to add your child and even switch plans. Coverage is retroactive to the date of birth. Your agent handles the enrollment while you focus on the baby.
The things nobody tells you — until it costs you money.
Most parents don't realize the 60-day window exists. Miss it and you wait until Open Enrollment. Your agent enrolls the baby within minutes of your call.
You can report the birth and enroll before the SSN or birth certificate arrives. Documentation can come later (usually within 90 days). Don't let paperwork delay coverage.
A common mistake: calling BlueCross or UHC directly. On marketplace plans, you must report the life change through Healthcare.gov first. Your agent handles this for you.
Once enrolled, your baby's coverage is backdated to their date of birth. Hospital bills from delivery are covered. Your agent confirms this during the call.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
60 days from the date of birth. This is a firm deadline — miss it and you wait until Open Enrollment (November). Call us as soon as you can.
No. You can enroll immediately. Healthcare.gov gives you up to 90 days to submit documentation. Don't wait for paperwork — start the enrollment now.
Depends on the plans. If one parent has better network coverage or a lower family tier cost, that's usually the winner. If both parents have insurance, the "birthday rule" determines primary coverage. Your agent compares both.
Yes — once enrolled, coverage is retroactive to the date of birth. Hospital and delivery charges are covered.
Yes — a new baby is a Qualifying Life Event. You can change your entire plan during the 60-day SEP, not just add the baby. Your agent compares total family cost across all options.
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(866) 605-0702