Health Insurance Question

[iand]

Originally Posted by dahammer

Amen!

Just something else to keep in mind, most health insurance plans will not cover pregnancy of covered child, nor the birth of a grandchild. In other words, the future in-law's plan may not pay for the baby/birth even though your fiancee is covered.

you may also want to check even if the pregnancy and birth are covered if there are any complications with the child he/she may not be and even a brief stay in neonatal care is very expensive

[OldMan56]

Originally Posted by Mark Oomkes

I'm going to make an assumption based on the OP's comments, but I gotta love how being in the real world is defined as being supported by the taxpaying public in more than one way.

Where did anything about taxpayer support come into this guys situation? He was on his mother's policy, she was paying her premiums, so where did the taxpayers come into the picture. His pregnant wife is covered by her parents plan and they pay their premiums, so again no taxpayer involvement. And she has a job so she can get insurance where she works (although she might have to wait for the next open enrollment.) Now he has no insurance, so what he does now might involve the taxpayer, but that hasn't happened yet. You better look around and make certain you are in a real world Mark.

[cgaengineer]

Originally Posted by OldMan56

Where did anything about taxpayer support come into this guys situation? He was on his mother's policy, she was paying her premiums, so where did the taxpayers come into the picture. His pregnant wife is covered by her parents plan and they pay their premiums, so again no taxpayer involvement. And she has a job so she can get insurance where she works (although she might have to wait for the next open enrollment.) Now he has no insurance, so what he does now might involve the taxpayer, but that hasn't happened yet. You better look around and make certain you are in a real world Mark.

Because his mother is a teacher...insurance and paycheck come from taxpayers.

26 years old is too old to be sponging off mom and dad...18-20 maybe...but 26? I was moved out and on my own at 19.
Posted via Mobile Device

[whosedog]

Originally Posted by kraab

I am 26 years old and a few months ago my health insurance on my mom and dad's plan ran out. I was able to stay on my moms plan until 26. My Fiancee and I are expecting a baby end of July. My fiancee is still on her moms and dads plan until she turns 26 as well, 6 more months. She has a good job that offers health insurance but no point in taking it while she is covered under her parents for the next six months.

Does anyone have any recommendations for health insurance for myself and then adding the baby when he is born next month? Ive heard that certain plans you can add the baby no extra charge and others it can be quite expensive. Has anyone been in this situation and if so how did you go about everything?

She should take the insurance coverage from her job ASAP,use that as her primary,copays can then be picked up by her other plan(her moms) Having a baby is going to be expensive,the more coverage she has the better.
For yourself start looking for a job with benies,otherwise Horizon has a bare bones plan called EPO Plus that will give you catastrophic coverage for $100 or so per month.My son had it for a year and it didn't cover much but was better than nothing.He said anything with really decent coverage will run at least 3-400 per month.
BTW my son has student loans around 50G ,he pays $1000 per month on them,hasn't found a job in his field so he's working for the college maintenance division,makes 33G plus State benies,he's glad he landed that gig it's got great insurance medical and dental.
PS... Ignore these guys busting your chops,they have no clue how hard it is to get a decent job in this economy.

[OakNut]

Originally Posted by OldMan56

Where did anything about taxpayer support come into this guys situation? He was on his mother's policy, she was paying her premiums, so where did the taxpayers come into the picture. His pregnant wife is covered by her parents plan and they pay their premiums, so again no taxpayer involvement. And she has a job so she can get insurance where she works (although she might have to wait for the next open enrollment.) Now he has no insurance, so what he does now might involve the taxpayer, but that hasn't happened yet. You better look around and make certain you are in a real world Mark.

I'll comment since the whole sucking off your parents plan until your 26 thing disgusts me.

Perhaps it's not taxpayers in the form of tax monies paying for GROWN MEN and WOMEN's health insurance, but EVERYONE who pays for health insurance IS paying for their coverage in the form of higher rates.
I'd bet those people are all taxpayers too, so indirectly, I guess you could say that it's taxpayer funded.



To the OP:

Congrats on your soon to be addition. I hope you get things sorted out and wish you the best.

[Ray_Lawns]

Where I live the state loves it when you adopt a child, they threw all kinds of benefits at us. Medicaid til age 18 (they say but we will see) food stamps ($350 per month ) and W.I.C ( cereal,milk,fruit and such ). We use the medicaid because its the better option since he had some issues when he came home and we do pay taxes so I am okay with it. We do not take the other assistance, we are not rich but we do just fine and there is no need for us to use it when someone who really needs it could be getting it. We also got evey dime we paid towards the adoption back from the feds.