Q. My son is going to be 18 months old on the 23rd. He was on medicaid and it ran out and was denied to get back on it because my husband "makes too much money" so we tried to add him to my husband's insurance and they said he can not be added until July which would make him 2. He is past due for a check-up and I have searched everywhere trying to find a company to give him temporary insurance and I can not find anywhere that will accept him. I only need the insurance until July when it's open enrollment.
A. As a direct result of "0bamacare" child only insurance policies are no longer available, as of Sept 2010. Children can now only be placed on a policy with a parent or guardian. There are some defined benefit plans and short term medical plans but they are not available to any kid under 2 in most states.
Sorry, You'll have to pay cash for his check-up.
Sorry, You'll have to pay cash for his check-up.
How to get insurance for just my child?
Q. I am 20 and married and 5 months pregnant with my first child.
Under Obamacare I am still covered under my mother's insurance, including my maternity care. I have encountered a lot of contest via Yahoo questions, but have verified it with the doctors and insurance companies several times.
I need to have some sort of insurance for my child when he gets here. My husband will have a wonderful policy at his job, once it kicks in, but that won't be in time for the birth. What can I do as a good temporary insurance?
Under Obamacare I am still covered under my mother's insurance, including my maternity care. I have encountered a lot of contest via Yahoo questions, but have verified it with the doctors and insurance companies several times.
I need to have some sort of insurance for my child when he gets here. My husband will have a wonderful policy at his job, once it kicks in, but that won't be in time for the birth. What can I do as a good temporary insurance?
A. You�re right about your own coverage. Your maternity bills will still be covered under your parents� plan, but it won�t cover the baby. It�s not easy to find coverage for children on their own plans right now, but depending on the state where you live you may have some options.
First, take a look at our recent blog post on this topic:
http://blog.ehealthinsurance.com/2012/02/childrens-health-insurance-plans-2012/
In the blog post and the chart attached to it we outline some of the issues involved in child-only coverage and provide a list of the states where child-only plans are available under certain circumstances. If you live in one of those states, contact your department of insurance to learn more or work with a licensed agent. In some states a newborn cannot be declined for coverage because birth is considered a �qualifying event.� You may have a limited period of time in which to enroll the baby, however.
If you can�t purchase child-only coverage on your own in your state, you still may have some options. First, there may be state programs just for newborns who are uninsured. Check into that by contacting your department of insurance or the non-profit Foundation for Health Coverage Education at www.coverageforall.org.
Another option would involve applying for individually-purchased coverage for both you and the baby � coverage that would kick in right after the birth. Even in some states where it�s hard to find child-only coverage, you can still apply as the primary applicant with your child listed as a dependent. Just be sure not to drop your coverage under your parents� plan until you and the baby are approved for a new plan of your own.
Best of luck!
First, take a look at our recent blog post on this topic:
http://blog.ehealthinsurance.com/2012/02/childrens-health-insurance-plans-2012/
In the blog post and the chart attached to it we outline some of the issues involved in child-only coverage and provide a list of the states where child-only plans are available under certain circumstances. If you live in one of those states, contact your department of insurance to learn more or work with a licensed agent. In some states a newborn cannot be declined for coverage because birth is considered a �qualifying event.� You may have a limited period of time in which to enroll the baby, however.
If you can�t purchase child-only coverage on your own in your state, you still may have some options. First, there may be state programs just for newborns who are uninsured. Check into that by contacting your department of insurance or the non-profit Foundation for Health Coverage Education at www.coverageforall.org.
Another option would involve applying for individually-purchased coverage for both you and the baby � coverage that would kick in right after the birth. Even in some states where it�s hard to find child-only coverage, you can still apply as the primary applicant with your child listed as a dependent. Just be sure not to drop your coverage under your parents� plan until you and the baby are approved for a new plan of your own.
Best of luck!
Can someone direct me to a legit website where I can get a comparison on various health insurances?
Q. I'm a full-time student who works part-time. I'd like to purchase a temporary insurance w/c covers for health, dental, and vision care, but I'm skeptical of entering my personal info on various websites where I'm attempting to get a quote.
Also - Is there someone who can suggest w/c health insurances are considered to be reputable, and how I can get a listing of participating providers for these insurances?
Also - Is there someone who can suggest w/c health insurances are considered to be reputable, and how I can get a listing of participating providers for these insurances?
A. Nope, no such horse. No company writes in all states.
Most private dental polices cost more than they pay out. Ditto for vision. For those two, you're better off not being insured.
Your best bet, is to go to a local agent, who will tell you who's got participating providers in your area, who's got the best coverage for the lowest rates, and can compare line by line.
Health isn't like car insurance - most likely, there AREN'T 25 different companies writing health insurance in your area - more like 5-10 - wherever it is. The local guy will do you best.
Most private dental polices cost more than they pay out. Ditto for vision. For those two, you're better off not being insured.
Your best bet, is to go to a local agent, who will tell you who's got participating providers in your area, who's got the best coverage for the lowest rates, and can compare line by line.
Health isn't like car insurance - most likely, there AREN'T 25 different companies writing health insurance in your area - more like 5-10 - wherever it is. The local guy will do you best.
Can you get temporary car insurance for say a month?
Q. I just got my car but i cant register it till next week. I got a permit to drive it but I do not have insurance, so I heard you can get temporary car insurance for a month. Im not really sure though.. HELP!
A. There is nothing like temporary insurance, its just normal insurance. Just get insurance and call the insurance company anytime to get it cancelled and pay for just the days when your car was insured. This applies to any change of policy also.
HTH, Aski
HTH, Aski
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