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When a child is born, healthy or not, you must make sure to contact your health insurance provider immediately. This will open the baby's policy and make the child a dependent on your plan. It can also be helpful if you are going to pursue a case in court for birth injury, as all of the medical bills submitted will be recorded. The copays that you have to pay to the insurance company will probably be covered if there is a judgment in your favor in court, as the doctor's (or hospital's) malpractice insurance will have to cover your medical bills.