To have a secondary coverage or supplemental health insurance is often advisable. But because of your child's present medical condition, it may be difficult to find a health insurance company that will take him in. Most private insurance policies may have specific guidelines in their medical underwriting process for regular and supplemental health insurance. Some may scrutinize your health and medical history. If you are willing to pay a premium higher than what you are already paying to your current policy, some companies may offer high-risk supplemental health insurance plans. The premium for this supplemental health insurance may cost around $1,000-$2,000 a month or even higher. Most health insurance policies set an out-of-pocket limit as to how much you have to pay in a year. To illustrate, if the out-of-pocket maimum is $3,000 a year, the 20% you may have to pay should not eceed $3,000 in total. The insurance plan may pay 100% in allowable charges once you reach the maimum. You can also do some research if it would be more convenient or inepensive if you just pay the 20% coinsurance as the need arise. Answer by Dennis Kinder - June 4, 2009 @ 12:05 pm