Getting my baby on insurance?

Question

I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the hospital where he works. His insurance isn't too expensive for him, but if he were to add the baby onto his policy, the price would nealy double, taking almost half his paycheck every month. I work as much as I can parttime, but with taking fulltime classes, along with clinicals, there's no way I can work fulltime right now. We would be considered low-income, and I know my baby would be eligible for medicaid. I'm only 26 weeks along, but I really want to have everything arranged by the time he gets here. Who would I contact for more details about getting on it? We've never used any kind of supplemental assistance like this, so I really don't even know where to go. It's probably too early right now, but when would I need to start filling out the paperwork?? Thanks for your help!!!

Answer 1

Your baby will be covered under your policy for the first 30 days, so you don't have to panic.

I don't know where you live - in California there is a program called First Five California. They helped me sort through all the programs available and figure out which one I qualified for. I didn't qualify for Medical, but got "moderate-income" assistance which meant we got Blue Shield for $6 a month.

You likely have a city or county group that can help you - certainly the department of child welfare will know.

The hospital usually hands out a take-home box with all kinds of local information about immunizations and child health insurance. Maybe ask at labor & delivery in the hospital you work in - they may have brochures that might help also.

Answer 2

You could call your local DHS (Department of Human Services) office. They'll be able to answer all your questions. It will depend on which state you live in and their requirements for assistance.

I was in the same boat you're in. When I got pregnant I didn't have any insurance at all - and while my boyfriend had insurance, they wouldn't cover me because we're not married. I was eligible for medicaid and received it during the length of my pregnancy, and then I got it for 3 months after the birth of my daughter. Then they put me on a "Family Planning" insurance where my birth control was covered for a year after the birth. My daughter was covered until she was one year old and then she became eligible for I-Hawk which is discounted insurance. I got a new job and can afford insurance coverage for her, so we opted not to get the I-Hawk. Insurance is expensive - but very worth it! And I think it's fine to be thinking about it already - it's something you HAVE to have.

Answer 3

Your state may have some programs for unwed mothers or for just the kids. You can try your local social services office for proper information and applicable programs in your city/state.

Of course, because you do have a dad for the baby (and you're shacking up with him) then he might be forced to pick up insurance on the kid because he can and is able.

If you think insurance is expensive - you just wait until you start getting all the other bills associated with a kid. You may have to go to part-time school so you can afford to pay for your kid.

Answer 4

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RE Getting my baby on insurance?

I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the ...show more

Answer 5

i think of you should call the style on the lower back of your coverage card and double verify the information. this is extremely no longer likely that toddler would be lined below grandma's coverage in any respect, no longer to point for the 1st 30 days. the way it works, is that an worker has 30 days from the time THEIR toddler is born, to function that toddler to their coverage. this is not unfastened, and this is not automatic, and it does not "trickle down" to cover grandkids. i'm somewhat shocked which you save getting pregnant, on the same time as on mommy's coverage, and declare being "handicapped", and then experience which you're "out of luck" or screwed that somebody else does not choose for to pay on your start. You do know what reasons that, precise? You do understand the day you turn 26, you may not be below mommy's coverage any further, precise? toddlers take 9 months to advance. you have had 8 months to plot for this. 4 weeks out, this is somewhat previous because of start annoying approximately the thank you to pay. despite the fact that. in case you opt for to place toddler up for adoption, maximum states enable the birthing costs to be paid by using the adopting couple. that should possibly clean up thousands of your issues - and supply toddler a greater helpful probability at existence. because of the fact, honey, the fee of your start is only the tip of the iceberg, as a approaches because of the fact the charges of elevating a newborn.

Answer 6

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Answer 7

I would contact you local medicaid office now. They can get you on assistance for the child beginning now. They will also take care of everything after delivery (the baby end of it) unless you wanted to drop off your parents insurance and get yourself on it now also...look in your phone book you will find a listing for medicaid.

Answer 8

Contact WIC. They can help you get everything you need. They will also provide you with vouchers for dairy, cereal, bread, juice, and when baby comes, with formula (It doesn't sound like you will have time to breast feed or pump), and when they are old enough, for infant cereal and baby food. In most states a child can be eligible for WIC until age 5.

Answer 9

Have your parents contact their insurance company. They very well may be able to add your child to the policy as long as you are covered. If they are already paying a family rate, it shouldn't change the cost for them.

Answer 10

Do you have health insurance? If not, go to the Department of Human Services and get on what I think most states call Pregnancy Medicaid. It is easier to get on than medicaid, because the maximum income is higher. Then it will be fairly easy to get your child on Medicaid when he/she is born. But the Department of Human Services (DHS) should be able to answer any questions especially since it does vary state to state.