What does the Michigan law say about coverages for newborns?
Insurance Bulletin 86-8 states that maternity or pregnancy benefits are medical benefits which cover care arising from pregnancy and childbirth. Medical or hospital care for a healthy infant following delivery is considered part of the care for pregnancy and delivery and should be covered the same as the care for the mother. Well baby care is covered under the mother’s coverage even if the baby has not been added to the mother’s coverage. Michigan law also requires that an employer must offer to add a newborn to a health benefit plan that includes family coverage. The employer or insurer can require that they receive notice within 31 days of the birth if the parents want to add the child to the coverage.
