Health Insurance for Me and Daughter

Updated on April 23, 2008
S.D. asks from Frankford, DE
8 answers

I have been on the state medical assistance program since I quit college when my daughter was born. Now it seems there has been some issues with my paperwork and I may no longer get that assistance. My fiance and I cannot work enough hours at our jobs to get health coverage through our employers. Does anyone know if you can get some kind of insurance without having to go through your employer?? Even if he gets insurance he would be able to cover our daughter but not me because we are not married yet, and I hate to think of myself rushing to the courthouse just to get health coverage that way. Any help would be appreciated thanks!

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M.H.

answers from Washington DC on

Hello,
I work for a company that provides a Medical Disount card for those who need it. It is VERY affordable. A family plan starts is just 59.95 a month. I would love to help you out. Please call me and we can talk, ###-###-####. M.

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S.L.

answers from Washington DC on

Yes you can. I have individual health insurance through Anthem Blue Cross Blue Shield for my son and I. It is not cheap but it is a good plan. Here is the woman that I went through to find the best plan for us. My parents also used her to find their health insurance. Just call or email her with what you are looking for and who would need coverage and their ages.

Jyoti Gujral, MBA, CFP
Professional Planning Association, Inc.
7901 Jones Branch Dr., Suite 210
McLean, VA 22102
###-###-####
###-###-#### (fax)
[email protected]____.com
http://www.proplaninc.com/

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T.D.

answers from Washington DC on

Hi S.,

Please visit my website and email me if you have any questions and/or concerns. www.DiscountMedicalAndDental.com. I hope I can help you with your situation.

T.

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E.M.

answers from Washington DC on

I don't know if you have resolved your situation or not, but just in case you have'nt just wanted to let you know that I have been dealing with medical assistance and medicaid for the last 9 years or so and you would not believe how many times they have wrongfully cut mine and my kid's medical assistance. You have to go and keep fighting because they don't care if you don't have insurance or not. They also have appeal processes that you can go through. Believe me, it is hard work,but you will be so glad when you get things straightened out--so keep fighting for your insurance!

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S.L.

answers from Washington DC on

There are lots of options for insurance although they may not be affordable. Most major health plans have personal insurance plans. I have mine through Blue Cross/Blue Shield. It's called Personal Comp.

You have to decide if you want a PPO or HMO plan (the first lets you pick your doctors more easily than the second which requires you to select from their plan). Kaiser Permanente is a good HMO. I've read mixed reviews on Aetna.

Just be careful of insurance scams (there are a lot of them out there). Don't go for one of those websites that will get you multiple quotes (unless you like to be solicited and spammed).

It will be more expensive to cover you and your fiance than if you were married, but I don't think you should rush to the altar for any reason (insurance included).

If you can, fight the folks at the state office to see what the "paperwork" issue is and what you can do to keep your insurance (at least until you're married or get a better job with qualifying benefits). It will most likely be your most affordable option.

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K.J.

answers from Richmond on

Hi S.,

You have a few options. You can get self coverage in VA. It is a bit expensive depending on what plan you choose. If you go to www.anthem.com and look for individual or self coverage you can view the various plans, or you'll see an 800# you can call if that proves easier. Also, most insurance companies these days recognize what they call domestic partners, and if you two have been living together for a year, and it may even be 6 months now, then you would qualify as a domestic partner, and you can be on the same plan together (you and your fiancee). Also I have seen commercials on TV about children's health coverage in VA, I think it's something called FAMIS, and it provides health coverage to children. I'm not sure what the qulifications are, but I'm sure you can do a Yahoo search, and get the details. Or ask whoever you're working with currently for state medical assistance. I hope this helps, and good luck! Have a great day. K.

I just did a search, and the website is www.famis.org and it looks like it provides any information you may need to see if you can get her enrolled!

Smallavatar-fefd015f3e6a23a79637b7ec8e9ddaa6

M.E.

answers from Richmond on

Another option is Famis. You can apply by getting an application online or going through financial assistance at MCV Hospital. On-line it would be famis.com or MCV Hospital's # is ###-###-####. MCV would either sign you up for Famis or their own program where you would only see their providers. They also have dental discounts through their dental school. Just give your financial info not your fiance's.

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B.J.

answers from Washington DC on

Hi S.! I am B. Deck. I know you posted this a long time ago, but let me tell you about the discount pakages I can offer you through Ameriplan. They are not an insurance company, but they offer discount plans that gives you better rates than most insurance companies. It is a great alternative to insurance.

1. Dental Plus - Our members get dental with free vision, prescription, and chiropractic. $19.95 monthly fee for your whole household. $20.00 one time registration fee.

2. Basic Health - Our members get medical including primary care, specialty care, ancillary services, and hospital. $29.95 per month for household. $30.00 one time registration fee.

3. Total Health - Our members get Dental Plus and Basic Health. It includes dental, vision, pharmacy, chiropractic, primary care, specialty care, ancillary services and hospital. $39.95 monthly for an entire household. $30.00 one time registration fee.

4. Total Health Plus - Our members get Basic Health Plus and our Legal Services Program, Identity Theft Protection, and Roadside Assistance Program. $59.95 monthly for entire household. $30.00 one time registration fee.

There are no waiting periods, so you can start saving right away.

I would also like to take a minute to offer you the promotion we are offering this month. If you enroll, I can offer you a great vacation package. It includes round trip air and hotel for two for 2nights/3days to your choice of 5 destinations. My favorite is Cancun!! You pay a $50 redemption fee and all taxes. Not bad for chilling in the sun!! If you can't use the benefits, but you know someone who does, feel free to refer them. If they enroll, I can give both of you vacation packages!

I hope this helps you. Feel free to contact me with any questions. Also look up my web at www.DeliveringOnThePromise.com/BDeck.

Thanks,

B. Deck
[email protected]____.com
###-###-####

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