Newborn Insurance
Hello, I posted this yesterday in r/insurance, but seeing if I get more answers here.
I have insurance (Cigna) through my employer and gave birth in April. After much deliberation, I got my newborn his own insurance (Aetna) through the marketplace. The hospital where I gave birth lists them as accepting Aetna on their website. However, today the hospital called saying his insurance denied his newborn stay and care due to being out of network. They say that the plan I picked is a CPO and they take HMO and PPO.
I have seen a few sources saying that he should be covered by my insurance for his first 30 days, but the hospital is stating they can’t submit his bills to a policy without his name. I called Cigna, but they said they couldn’t add it.
What should my next steps be? Can I change his plan or have mine cover it? I have seen some conflicting information that Virginia state law requires baby to be covered by my insurance for 30 days, is that true? Is there anything to be done about the hospital taking over 90 days to notify us that there was a problem?
