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Baby Health Insurance California Question & Answers

2015 March 28
by Sarah Fields

John asks…

insurance for baby?

im a full time student, so im staying on my mom’s insurance.. im 18… my babys father doesnt have health insurance. does the baby go on my mom’s with me, or do i need to get insurance for the baby by myself?

Sarah Fields answers:

Like the others have stated, you do need to check with your mother’s insurance company to see if they will accept the baby. You also need to make sure that you will be covered because as a mother, you and your baby may be considered a “seperate family” even though you live under the same roof. If, however, you are not covered you can apply for federal insurance, like Medicaid (or Medi-Cal if you’re in California) without having to accept welfare money if you choose not to. In most states, you would apply through Social Services in your county. If you do live in California, I highly recommend applying for WIC (Women, Infants & Children). I’m not sure if it’s available in all states. But definately check with your local Social Services office. Whether or not you are working, they help trememdously with paying for formula and other foods as your child grows.

Linda asks…

Pregnancy Health Insurance??!?

I just moved to California a week ago and I am currently 18 weeks pregnant with no health insurance. Ive made a few calls and tried to look at all of my options but I want to take the best route, especially since I need to have my next appointment very soon to find out the sex of the baby and how everything is going……advice?!!

Sarah Fields answers:

If you are already pregnant your options are to get health insurance through an employer on a group policy or welfare.

Mary asks…

Health insurance for baby and me?

We just moved to Illinois ( near St Louis) from California and I’m having a hard time finding insurance. I was on medi-cal in California due to pregnancy being a “pre existing” condition and my husband’s insurance wouldn’t do anything about it. I keep getting the run around when I call the state insurance out here. I’m just wondering if any of you live out here or have any good information on where I can go or what insurance I can get on for cheap. I’m almost 29 weeks and I need to get into the doctor ASAP! Any information would be extremely helpful!
Our income flucuates due to work so I’m hoping we can qualify for it. I’ve looked into maternity advantage. Have any of you used them or know anyone who has?
Mr. Awesome..really? Get a life.
Mr. Awesome. I’m married. Worked government jobs and now a stay at home mom with my son. My husband works and after the baby his insurance will cover me. It’s people like you who don’t deserve the insurance that’s given to you.

Sarah Fields answers:

I’d get the name of your husband’s plan. Pregnancy cannot be considered a preexisting condition for any group plan, group plans have to accept everyone. Private insurance is another story, they can deny you for asthma.

I’m in charge of the health insurance plans at my company and was worried about the same thing. I spoke to all the big ones, Blue Shield, Blue Cross, Health Net, Kaiser, they cannot turn down any eligible employee for any reason on a group plan. I know, I’ve gotten people with cancer on our plan, my daughter’s asthma is covered, when I first joined and was pregnant, they picked it up.

However, they can refuse to pay for preexisting if they have a waiting period for preexisting conditions. Even then they can’t turn you down. Some require 6 months to a year before they start paying for preexisting conditions. That doesn’t mean you can’t get coverage though.

Get the full policy information for your husbands plan and speak to HR. Insurance is tricky, what’s on the surface isn’t all there is.

There has to be some kind of Medi-cal there. Try these sites

http://www.expectantmothersguide.com/local/stlouis.htm

http://www.stlouisco.com/doh/hlthctrs/hlthctrs.html

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