The thing is, "billing a child" is not really the proper description.
What's actually happening is that:
1. A claim is submitted to the insurer, naming the baby as recipient of the claimed services. The parents are responsible for ensuring the baby is added to the policy within a reasonable amount of time.
2. If the insurer declines to pay some portion the hospital is entitled to collect, the hospital will send a bill to the parents, and the parents will be responsible for it, though the bill will be for services provided to the baby.
What's actually happening is that:
1. A claim is submitted to the insurer, naming the baby as recipient of the claimed services. The parents are responsible for ensuring the baby is added to the policy within a reasonable amount of time.
2. If the insurer declines to pay some portion the hospital is entitled to collect, the hospital will send a bill to the parents, and the parents will be responsible for it, though the bill will be for services provided to the baby.