While many people would prefer completing all the steps of enrolling a child before they deliver, the insurance companies require that you wait until after the child is born to add them to the plan. Most insurance companies will automatically cover the first month of a child’s life under the mother’s health insurance plan. You must then elect to enroll the newborn, effective on their date of birth. It is important to remember that you must enroll a newborn child or adopted child within 60 days from the date of birth or date of adoption.