You might want to decide on your baby’s medical insurance coverage based on what your current health plan offers. You must first eamine the terms of your eisting coverage from your insurance provider. If you are participating in a managed health care organization then check if your preferred pediatrician is within the network. Check the directory for in-network doctors if you don’t have a pediatrician in mind yet. You should look for a more comprehensive medical insurance coverage for your child since he or she needs routine checkups and several vaccines during the first three years of his/her life. A health insurance plan will provide coverage for the newborn if you have enrolled the child within 30 days of birth. Because your medical bill after giving birth is separate from your baby’s, make sure that the plan covers the infant’s stay in the nursery. See if the coverage also includes a stay in the neonatal intensive care unit, if the child ever needs it. You can ask around about other medical services that your baby might  need. Check if the medical insurance coverage includes procedures such as laboratory tests, immunization and prescription drugs costs and other health care needs. It is also important to ask about the cost of a doctor’s visit and whether you will have out-of-pocket epenses. Your child’s medical insurance coverage must be comprehensive enough to cover all of his or her needs. You can ask your friends, family and an insurance agent on how you can get the best health insurance plan for your baby. - June 29, 2009 @ 12:57 pm