Newborn Denied Health Insurance Coverage Days After Life-Saving Heart Surgery

"They said we can't do that because he wasn't born yet, but as soon as the baby's born go online and fill an application out," he said. Doug Tracy applied for Houston's insurance March 18, and the first month's premium of $267 was charged to his credit card, he said.

"Wednesday, the 24, is when I got a letter of decline -- they declined it the day after the [health insurance] bill was signed," Doug Tracy said.

Yet the provision in the health insurance reform act that prohibits health insurance companies from denying coverage to children with a pre-existing condition will only take effect six months after the bill was signed into law.

Family Searches for Insurance Coverage

Blue Cross and Blue Shield of Texas declined a phone interview with ABCNews.com about procedures to enroll newborns and their policies in light of the new health care reform act.

But the company was willing to e-mail a prepared statement.

"We share the public's concern for this child and for uninsured children across our state. As you may know, federal privacy laws prohibit me from releasing any information about members or potential members of Blue Cross and Blue Shield of Texas [BCBSTX]," Margaret Jarvis, senior manager of media and public relations at Blue Cross and Blue Shield of Texas, wrote in an e-mail.

Jarvis said Blue Cross and Blue Shield of Texas would automatically cover newborns of parents who already had a policy with them for 31 days. After that time parents could opt to include their baby on their plan whether or not the child had health issues.

"For children whose parents are not BCBSTX members, who want child-only coverage, we offer individual policies, beginning at the age of 60 days," wrote Jarvis. "BCBSTX has spoken with the father of this child, and we are exploring all available alternative coverage options."

Doug Tracy said his family has found an alternative route to get his child coverage through the Texas Health Insurance Risk Pool, and the policy will only cost $277 a month -- $10 more than the premium on the policy he tried to take out for his son. However, he said he's confused since he will still have to apply through Blue Cross and Blue Shield of Texas if he goes through the Texas Health Insurance Risk Pool.

"I don't hate them [Blue Cross and Blue Shield], they've done well for my other two kids," Doug Tracy said. "I just want them to do the right thing."

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