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Texas Department of Insurance
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Welcoming a child to the family? Don’t forget the insurance.


Bringing a child into your life can be joyous, but it’s also hectic. Here are some tips to help you get your insurance in order. Diaper changing is on you.

  1. Prepare for delivery

    If your health plan uses a network, call the plan to make sure the doctors, hospital, or facility you’ll use are in the network. Your plan might let you use doctors outside your network, but it will be cheaper for you if they’re in the network. Also ask how much you’ll have to pay in copays, coinsurance, and deductible.

  2. Avoid surprise bills

    Texas law protects people with some types of health plans from surprise medical bills in emergencies and when they didn’t have a choice of doctors. Insurance cards for these plans have “DOI” or “TDI” printed on them.

    If you don’t have one of these plans, check that the anesthesiologist and other specialists you’ll need are in your network. Even if your hospital is in your network, some of the specialists who work there might not be.

  3. Ask about other coverages

    Ask your plan about paying for services you might need before or after you have your child. This might include a breast pump, breastfeeding support, or post-partum counseling. Most health plans must pay for a breast pump if you go through them to get it.

  4. Add your child to your plan

    Call your health plan soon after your child is born or after you adopt. Some plans require you to add new family members within 30 days. Put a reminder on your calendar so you don't forget to call.

    If you don't have a health plan, check out to learn about your coverage options and to compare plans. Visit to get help paying for coverage.

  5. Consider life insurance

    Think about your child's ongoing needs – housing, child care, education, medical care, and other needs – and how those would be paid if you weren’t around. Consider buying life insurance for both parents, not just the primary earner.



Questions? Call us at 800-252-3439.

Last updated: 10/12/2021