Hi Ladies,
Here is my dillema. We need health insurance for 90 days before my husbands new health plan kicks in. We don't have all the money in the world but don't qualify for medi-cal, cmsp, share of cost medi-cal or cobra(way to high!). I contacted kaiser, but we just missed the deadline for applying.It wouldn't go into effect until July 1st. We can't afford 400-600/month that we have been quoted~!
I was thinking about applying for healthy families-just for my son but I still need insurance for me and my husband. What do you suggest we do?
You are probably past this now, but I just was given 90 days emergency medical till I can apply. (I WILL NOT QUALIFY) so next week they are signing me up for A.I.M.
Assistance for Infants and Mothers. A household of 4 (including the unborn) qualifies up to $5000 income per month and its $900 a year. Mabye this will be helpful to someone :)
Hi Molly,
Health care these days is extremly expensive...but there is a county funded plan out there that will cover your son...you just have to find it...easier said than done.. :( but for you and your husband...prab. not... However, you can apply for an individual plan with a high deducable that will cover you in case of an accident. (again, approval is going to take a while..ie July 1 like Kaiser.) If for some reason during this time you are diagnosed with a disease you WILL be covered by the new insurance with your husbands company. Group insurnace is GUARANTEE ISSUE, meaning exactly what it says. If your husbands company offers only a PPO, you will not be covered for the first SIX months without prior coverage, but if they offer an HMO you will, REGARDLESS of pre-existing conditions immediatly.
With that being said, a check up at a doctors office for a cold, flu symptoms, etc etc USUALLY only runs about $100-$120. I am in no way saying not to worry about the coverage for the next three months and just keep your fingers crossed, but????...
Even a high deductabe PPO is going to be expensive, especially for two adults. $600 a month for two people would be a steal...honestly. Anything much cheaper would not be rich enough in benefit to be worth the cost...in a car accident your auto coverage will be responsible for the medical costs, and your health insurnace wouldn't pay anyways. tell your husband not to use any power tools for the next three months....(any home accidents are not coverege by home owners ins..haha)
I hope some of my info is helpful in your decision making process...let me know if you have any questions..I am a licensed Life and Health Insurnace Agent... :)
D.
try healthy families but it also takes 90 days to approve too. Just keep your child healthy and then worry about yourselves.
Try Anthem blue cross. For my son and I it is under $200.
I've been through this dilemma before, only I had just learned I was pregnant with both of my children. I applied for assistance from the state, city, anything I "thought" I could qualify for. Thinking I would, being a U.S. citizen and paying my taxes, even with salary (which wasn't huge) and the number of people in my family, I didn't qualify for anything. And I wasn't going to lie and say I was unmarried and didn't know where the father was. Unfortunately, the only thing I could do was payout of pocket until insurance actually kicked in. So I did, and then when insurance did go through, everything was good. I'm pretty sure that if you apply as soon as possible to everything, you may get something for temporary insurance, especially for your son. I tried going online for quotes and calling local branches for health insurance for help. Apparantly there are tons if places who can assist you in looking for coverage, but not actually give you coverage. Don't give up hope, just keep looking. You'll find something at the right price. It will work out. Good luck!
check out www.eHealthInsurance.com They have some good rates for decent service. This is what we used for gap insurance. Make sure, when you talk to them, that they understand it is only for 3 months.
Hi Molly,
As you've discovered, there are some really big gaps in our health care system. Unfortunately, dads are often left out in the cold when searching for gap-insurance. I would suggest that you call First 5 Mendocino or Health & Social Services TODAY. You may qualify for programs and not know it.
Here's a link to the resource page of First 5 Mendocino. It describes some different options. Give them a call. They should be able to direct you to the appropriate resource. (Note: First 5 provides funding to programs and services for children ages 0 to 5 and their families. It is county based - every county has one. It is funded by tobacco taxes.)
http://mendochildren.org/Resources/health_insurance.htm
The site also suggests: www.healthykidsmendocino.org.
Hi Molly,
My name is T. Borba, I am a Broker for Health Insurance in Modesto, CA. My website tammyborba.com will allow you to quote Short Term Health Insurance and apply on-line. If you have any questions or need assistance, please do not hesitate to contact me at ###-###-####. Good Luck and Stay Healthy!
Hi Molly,
My advice is NOT to let your insurance lapse at any time. Get some type - ask about insurance with a very high deductible that would cover you only if something major happened. You never know - an accident, or someone in your family is diagnosed with a disease and none of that would be covered, even when the new insurance kicked in. I know the prices are off the charts these days, but for security, cover everyone, especially if it is only for 90 days. Good Luck!
