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DPChallenge Forums >> General Discussion >> Who around here knows about health insurance?
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10/14/2007 02:07:42 PM · #1
So, my girlfriend and I are about to have our baby (her due date is in a week or so) and I've been looking to get him on an insurance plan before his checkups start rolling in. My girlfriend is on an insurance plan that will cover her maternity costs and whatnot. I can't get insurance through my employer for another 5 months or so, so that's not an option.

I'm pretty clueless when it comes to insurance, what with all the deductibles and premiums and stuff... Anyways, I'm looking for an insurance plan that will cover my child's doctor visits (or at least most of the cost), prescriptions, and other health related "things". Is it better to have a higher or lower deductible?

Anyone who can shed some light on the subject for me would be awesome. If you know of any good websites let me know too...

Thanks a ton.

Caleb
10/14/2007 02:09:44 PM · #2
Your girlfriend's insurance won't expand to cover a baby, even though it covers maternity? That surprises me...

R.
10/14/2007 02:16:20 PM · #3
Originally posted by Bear_Music:

Your girlfriend's insurance won't expand to cover a baby, even though it covers maternity? That surprises me...

R.


That's just it, she's on her moms insurance... It covers her fine but won't cover our child.

My employer doesn't offer health insurance until after you've worked there for 1000 hours, otherwise this would be super simple.
10/14/2007 02:19:07 PM · #4
Depending on how much your GF makes, you might want to check out AFDC; the state will provide health care for the infant if she is under the threshold, and that can hold you until your insurance kicks in.

R.

(That's "aid for families with dependent children")
10/14/2007 02:22:58 PM · #5
..what Bear said

Message edited by author 2007-10-14 14:23:49.
10/14/2007 02:24:07 PM · #6
move to canada, great britain or cuba...sorry I just finished watching "Sicko" which has made me want to move because everyone is covered under insurance there no matter what. Other than that I really have no clue except that it seems strange that the baby can't be covered as a dependent. But if your wife is on her mother's insurance that makes sense. My understanding is that you can only be covered under your parents insurance until you're 21 and are a full-time student. That's how it works for me and my mom anyway. See if there's any coverage through the state. You're wife is going to have to get her own insurance eventually as well, and then the baby will be covered.

Keep in mind I have very limited knowledge on insurance as well.
10/14/2007 02:28:16 PM · #7
Originally posted by Blue Moon:

move to canada, great britain or cuba...sorry I just finished watching "Sicko" which has made me want to move because everyone is covered under insurance there no matter what.


Canada is now sending pregnant women with complications to the USA because they can not keep up... I think it was in Australia (or Austria?) that just made it illegal to start an operation after 10:00 in the morning because they are almost broke. State sponsored health care doesn't work as well as some think it does...
10/14/2007 02:33:15 PM · #8
Originally posted by TooCool:

Originally posted by Blue Moon:

move to canada, great britain or cuba...sorry I just finished watching "Sicko" which has made me want to move because everyone is covered under insurance there no matter what.


Canada is now sending pregnant women with complications to the USA because they can not keep up... I think it was in Australia (or Austria?) that just made it illegal to start an operation after 10:00 in the morning because they are almost broke. State sponsored health care doesn't work as well as some think it does...


Canada may be sending some pregnant and sick people to the US but it is still fully covered and the hospitalized person won't have to pay a dime, won't go bankrupt because of medical bills.
10/14/2007 04:23:03 PM · #9
Originally posted by Blue Moon:

move to canada, great britain or cuba


Superbug hospital chief given £250,000 to quit

The NHS manager responsible for Britain's deadliest outbreak of a hospital superbug, Rose Gibb, who earned £150,000 a year as chief executive of Maidstone and Tunbridge Wells hospitals, stepped down last Friday. Five days later the commission accused the trust of "significant failings in infection control" that caused the deaths of 90 patients between April 2004 and September 2006.

Yes, Great Britain's health care system works REALLY well.
10/14/2007 04:25:17 PM · #10
Hey, can we help Caleb rather than debating the health care systems in various countries? Thanks.
10/14/2007 04:28:25 PM · #11
Originally posted by L2:

Hey, can we help Caleb rather than debating the health care systems in various countries? Thanks.


I think he's got all the answers he needs. If he or his GF can't get insurance then they need to apply for state aid as Bear said. Any other dicussion on this subject is useless.
10/14/2007 04:28:48 PM · #12
Originally posted by chip_k:

Originally posted by Blue Moon:

move to canada, great britain or cuba


Superbug hospital chief given £250,000 to quit

The NHS manager responsible for Britain's deadliest outbreak of a hospital superbug, Rose Gibb, who earned £150,000 a year as chief executive of Maidstone and Tunbridge Wells hospitals, stepped down last Friday. Five days later the commission accused the trust of "significant failings in infection control" that caused the deaths of 90 patients between April 2004 and September 2006.

Yes, Great Britain's health care system works REALLY well.


Wow! No infections in US hospitals? Free medical care?

I had major surgery, x-rays, scans and consultations free! No infections, no medical bills, no insurance. UK medical care sucks, it is the envy of the rest of the world!!

Sorry to thread jack, but that statement needed answering.
10/14/2007 04:31:55 PM · #13
Originally posted by formerlee:

Originally posted by chip_k:

Originally posted by Blue Moon:

move to canada, great britain or cuba


Superbug hospital chief given £250,000 to quit

The NHS manager responsible for Britain's deadliest outbreak of a hospital superbug, Rose Gibb, who earned £150,000 a year as chief executive of Maidstone and Tunbridge Wells hospitals, stepped down last Friday. Five days later the commission accused the trust of "significant failings in infection control" that caused the deaths of 90 patients between April 2004 and September 2006.

Yes, Great Britain's health care system works REALLY well.


Wow! No infections in US hospitals? Free medical care?

I had major surgery, x-rays, scans and consultations free! No infections, no medical bills, no insurance. UK medical care sucks, it is the envy of the rest of the world!!

Sorry to thread jack, but that statement needed answering.


Everybody knows that US health care system sucks.


10/14/2007 04:38:54 PM · #14
Originally posted by NstiG8tr:



Everybody knows that US health care system sucks.


Unless you're rich.
10/14/2007 04:39:19 PM · #15
Originally posted by stare_at_the_sun:

I've been looking to get him on an insurance plan before his checkups start rolling in.


Link to eSurance

I think the issue that you need to worry about least is getting the physicals paid for. Make sure you're protected in the event of a catastrophe first. If you're able to find a plan that covers a lot of planned expenses, GREAT. But protect yourself from the big stuff first.

Also, be sure to consider how long you think you're going to stay with your employer. If things are a bit shaky, then I'd be even more cautious about make sure you're covered long-term.
10/14/2007 04:41:00 PM · #16
Your profile says you're in Manhattan. NY has a program called Child Health Plus. Depending on income, insurance would range from free to $12/month and covers exams, immunizations, and a bunch more stuff.

Message edited by author 2007-10-14 16:44:05.
10/14/2007 04:41:11 PM · #17
Laurie already asked once...If you don't have any info that will help Caleb and only want to debate the health care system, please start another thread. This isn't the place for that discussion. Thanks.
10/14/2007 04:43:26 PM · #18
thanks to chip and Rebecca for getting things back on track :)
10/14/2007 09:34:49 PM · #19
Caleb, your girlfriend can call your local health department - they usually have a variety of programs for mom AND baby.

Not sure if the name is different in your location, but many states call it W.I.C (Women, Infants, & Children) Besides receiving regular health screenings & shots / vaccines, these programs help in paying for nutritional needs - formula, cereal, juice, cheese, eggs, milk...

I'm sure you could also ask about other programs @ her next OB/GYN appointment. Good luck!


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