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So, only if the health insurance plan is fully-insured by the insurance company. If your company has a self-insured plan, they are not covered for the first 30 days unless you add them to your plan within 30 days of birth.

No matter which plan you go with, you'll want to add the baby within 30 days of birth effective her date of birth.

@deerylou: for us, she was. All of her medical expenses and pediatrician visits were billed under me. We had 30 days from her birth, however, to physically enroll her onto our insurance plan (which happens to be through my husbands employer).

My baby was NOT covered until I added her. To the point where, 3 weeks from her birth, we received a HUUUUUGE bill from the hospital along with a note telling me to call with her insurance info and it would be re-processed. I had to send in her SSN and such to our insurance in order to get her added.

Not me.
I have bcbs through my parents still, because I am under 26. So, for me, I couldn't add my son because it is not my plan to add.

My husband also has BCBS but through work, so it is his plan.
baby was covered by his insurance immediately, but he needed to send in SSN and birth info *within* 30 days to prove he was my husband's son, or else we'd get billed.

@deerylou: BCBS through work is also a private plan...if that makes sense?
Anyways, from my understanding, yes he *is* covered for the 30 days, but you have to send in all his info within those 30 days or else they will turn around and bill for for them. Ya know? They are basically giving you a grace period. But, if by day 31, they don't have his SSN and birth cert that says you 2 are his parents, then they will assume he isn't and bill you for the medical costs.
Of course, all *your* medical costs, Birth, OB, hospital stay, are covered either way. But, you already know that...

My policy covered her for the first 30 days, and after that we put her on DH's plan. We've had no issues.

@deerylou: Yes you can ask your insurance about this but there is definitely a recent law about this

I was told this was the case, that DS would be covered under my insurance the 1st 30 days, but it turned out not to be. DS was covered like the first 48 hours and then we were supposed to notify insurance right away, which we didn't do since we were under the 30 day understanding. I don't remember exactly what we did about it, but in any case, we ended up putting him on DH's insurance within a week or so of the birth. Definitely clear it up with your insurance company beforehand, take notes and names of people you speak with!