Having a baby can be a very hectic time. However, it is very important to remember to add your baby to your insurance policy within 30 days of birth. This is required by all insurance companies. If you don’t add your baby within 30 days, then you could be responsible for all of your baby’s hospital and physician charges. Also, there are some insurance companies that do not pay for the pediatrician’s care of the baby while in the hospital. You should be aware of your insurance coverage policies.