How do I get affordable health insurance for my son?
I was in between jobs last year so I had to put my son on medicaid. As soon as I found a job I let them know but they kicked him off of it anyways.
The problem I am having is that my insurance at work don't kick in until November and he has to have insurance by then for doctors appointments, etc. I tried to get MC+ for kids but they make it almost impossible to get. I just was wondering if anyone knew of a place where I can get affordable health insurance for my son?
Other - Family & Relationships - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
A lot will depend on where you live because different states have different programs for children. As long as your son is under the age of 18 then most states and even some counties will have some form of program that you will be able to look into. If you make too much money to qualify for a government program then your best bet is probably individual health insurance for your son. As long as he is relatively healthy then it should be no problem at all finding a cheap plan. Be sure that you shop around and compare quotes from at least 3-5 different reputable companies. Enlist the help of an independent health insurance agent or broker so that they can help you comparison shop.Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company. Best Wishes,
2 :
First I would try to contact the state department again and ask for public assistance. explain to them the situation and that you are working on this. if they are of no help, i would go here http://www.insurekidsnow.gov/ it is a government program that helps you find healthcare for your child. as a last resort, if you cannot seem to find help anywhere i would go to your local public health department. they base your bill on how much you make and are great with payment plans. Before our Army insurance kicked in I got my sons shots for 20.00 total. I hope this helps!
3 :
Yes, go to www.BestHealthcareRates.com. There you will find all of the help you need to find the best and most affordable health insurance plan for your son. The site is very easy to use and understand, and is rated A+ by The Better Business Bureau...this is the BBB's highest of 14 ratings! There are many, very affordable health plan options for children offering good short term or long term coverage. Hope this helps you!
4 :
You have several options available: 1. Simply buy an individual health plan on him. At his age, assuming he's in good health, etc., you should be able to get a plan for less than $100/month (perhaps a lot less). Look for a plan with a higher deductible, like $2500+. This will lower the cost but still give you the benefits he's most likely to need, like a copay for doctor visits & generic drugs. Go to NAHU.org (see below) to find a local broker who specializes in health insurance or visit my website for a free quote (www.genesis-grp.com). 2. You could consider buying him a short-term/temporary medical plan. This would probably be even cheaper, but you would not get the doctor & drug copays mentioned above. 3. You might also visit www.insurekidsnow.gov to see what sort of gov't plans might be available. However, it's likely that he won't qualify before your own group coverage starts (sometimes the process itself takes weeks or even months to complete). A few additional thoughts or suggestions: 4. You may find that the individual plan is quite a bit less expensive even than putting him on your coverage at work. Most group plans assume you have "2.2 kids," so the person with 1 child to cover pays more than the person with 3 or 4 kids (hey, it's group insurance, which is "averaged"). Sure, the group plan will probably have somewhat better benefits (lower deductible, etc.), but take a few minutes to think if the extra premium is worth the extra benefits (how much health care is he going to need or use?). 5. You should consider getting at least the short-term medical coverage on yourself, "just in case." You are, I assume, the primary breadwinner for him - what if you needed some sort of catastrophic care? Get a plan with a big deductible (for you, I'd suggest $5,000); it's unlikely you'll use it, but isn't that the whole idea of any insurance plan - "just in case?" Hope this helps a bit - have a swell day!
5 :
It is only five months until your insurance kicks in. I think you can probably afford to pay for the doctor's appointments outright, and pay for almost the same amount as if you had premiums to pay each month. However, there are many insurance companies that offer child insurance policies that you can get for a fair price for a short time.
Read more discussions :
