I have had bad stomach problems for the past month and a half. Something irritated my stomach really bad and I couldn't recover from it. Had endoscopy and CT scan that were both normal, except for some stomach irritation, but still would have bad upper stomach pain and nausea when trying to eat even a bland diet.
That law allows you to add yourself, your spouse and your newborn child (if dependent coverage is an option under your plan) for coverage under your group health plan without evidence of insurability. However, you must take that action within 30 days of the child's birth.
The baby is NOT automatically covered for 30 days under the mother's insurance. The hospital can't make the insurance automatically cover the baby. I'm sure the letter doesn't say that, in those words. Or if it does, it also says, this isn't binding. Baby's normal room & board, ONLY, is covered for that first 30 days. Not shots, not NICU, nothing else.