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Question

Asked: May 01, 2010

How do I get affordable health insurance for my son?

How do I get affordable health insurance for my son? After I left my previous job I had a gap in my insurance coverage so I enrolled my son in Medicaid. When I found a job I informed Medicaid and they in turn cancelled his health coverage right away. Unfortunately, I did not realize that health insurance coverage under my new employers plan would only be active after November 30 and my son needs insurance because he has to go for doctor’s appointments every now and then.

Categories: In California
Plan Types: In Other

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Answers

It sounds like you have only a short term gap in your coverage. There are several affordable health insurance options for you to consider for this short term situation. One is the government. Getting affordable health insurance for a minor from the state could be an option depending on the state you live in.  Each state has different health insurance options for children.  But generally, most states and even countries have some form of affordable health insurance program that you can look into. If such a government health program is not available to you, your net best option is to consider a short term Individuals plan for your son. Short-term plans can be very affordable and can fill gaps in coverage, but have limitations, for eample, they probably will not cover prescription drugs, doctor’s visits or pre-eisting conditions. However, they are suitable for sudden illness or emergency care for accidents during short periods. Finding affordable health insurance is not a problem at all if your son is healthy.  Just make sure that you are shopping for this in reputable insurance companies.  Get a quote from at least 3 to 5 of these companies and compare.  It's always a good idea to consult an independent insurance agent or broker in deciding the best affordable health insurance plan for your son. - June 17, 2009 @ 11:30am

Answered: May 03, 2010

 

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