Newborn – Health Insurance Options if Longer Stay than Mother

Hello. I'm having my third child and previously my entire family was on the same health care plan so this was not an issue. This time I'm on an individual health plan through my employer (United Healthcare) and my husband and two children are on a marketplace healthcare plan (Kaiser Permanente).

If my newborn needs additional care (e.g., longer stay in the hospital than the mother), then whose healthcare plan does the newborn fall under?

I've been told that it likely is my employer-sponsored healthcare plan (United Healthcare) since I'll have 30 days to qualifty the newborn due to IRS change of life event. Is that correct?

Is there an option to get the newborn on the marketplace healthcare plan (Kaiser Permanente) immediately? I like that plan and care better.

Lastly, is there ever an issue where the healthcare paln will deny coverage if the newborn needs severe care? Like something happens during the birth or the baby is born with a medical condition not detectable while in utero?

submitted by /u/Actual_Wallaby_111
[comments]