You might have as little as 30 days following your child’s birth to add him to your group
health insurance plan. If you miss this deadline, your health insurer might require you to wait until
its next annual "open enrollment" period before you can add your baby to your health insurance plan.
If your employer offers more than one choice of health insurance plans, open enrollment is a good time
to evaluate your present coverage and see if it meets your expanded family's needs.
Bear in mind that individual insurers don't have to cover pregnancy at all, and if they do they might impose
a 12-month waiting period after your health insurance kicks in before they will pay for pregnancy-related claims.
As for group health insurance, there's no legal requirement that your employer offer health insurance at all.
If your employer opts to do so, your health plan must comply with any laws that mandate maternity coverage.
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