We actually had 60 days to add our son to our insurance and we paid nothing out of pocket, so it really depends on the company. Ours was just fantastic! I spoke with them beforehand, figured out how things worked and everything went fine. Being prepared before the birth and finding a pediatrician in the area before the birth was really helpful. Our son's pediatrician knew we were adopting him and she was so easy to work with, as was her office. It really can go well. Again, it all depends on the company.
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