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Question

Asked: Apr 23, 2010

Coverage for Young Families?

Our church has just hired a new Director for Youth. Our church health insurance coverage for a family is high and unaffordable for him. He has 2 small children and his wife is 3 months pregnant. Do you offer coverage for a young family like this?

Categories: In California
Plan Types: In Other

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Answers

We don't offer any insurance directly through our company. We are a health insurance directory and consumer resource site. But, we can address your inquiry and point you in the right direction. Neither the mother nor father will be eligible for a standard individual health plan in Maryland. The mother will be declined because she is currently pregnant, and the father will be declined because he is an epectant father. Epectant fathers are not eligible because the insurance company of the father, under state and federal law, would be required to insure the newborn child on the father's health plan, regardless of the health of that child. The Maryland Children's Health Insurance Program will provide health insurance benefits for pregnant women of any age that fall within certain income requirements. The family income must be at or below 250% of the federal poverty level. The children may also be eligible for coverage under this program if their income is below 200% of the federal poverty level. Or, if there is even lower income, the entire family may be eligible for Medicaid. If they have income too high to qualify for this program, they may have no choice other than your church's health insurance coverage. The 2 children, if they are healthy, can be insured on separate individual health plans. Do they currently have health insurance? You did not mention this in your inquiry.

Answered: May 02, 2010

 

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