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Baby Health Insurance California Question & Answers

2015 July 2
by Sarah Fields

Lizzie asks…

Is it legal to be declined health insurance for this reason?

I applied with a major insurance company in California, am a single vegetarian in my mid/late 30s no children, extremely healthy never been diagnosed with anything, exercise regularly. I guess they dug up that I had taken a fertility drug in the past – I was never even diagnosed as infertile – it’s a really cheap common drug that stimulates your ovaries to produce more eggs but I had no partner to get pregnant with so to was just something I got from a fertility doctor if I wanted to get pregnant with donor sperm. That’s not even covered by insurance if I ever want to do that again and the drug’s like $20 you can practically get it over the counter it’s so common I know tons of women who use it. I didn’t even apply for maternity care to be included in my insurance, just a basic policy. Is it legal for them to decline me because of this? So if a woman has a baby they are no longer eligible for insurance? Most women who get pregnant take this drug (including both my sisters) yet they still have insurance. Was it legal for the pharmacy to give them this info? I don’t know how else they found out.

Sarah Fields answers:

Is it legal for your insurance company to access your medical records??? OF COURSE IT IS.

The company can decline you really for any reason at all. Whether the reason is the one you go on so long about is unknown, but I can assure you that there is no fertility drug that ‘most women take’

Helen asks…

No medical insurance?

I had pain in my lower right abdomen in january for 7 days. I went to the ER because I don’t have medical insurance and someone told me they are good at working payment arrangments. I just got a bill for over 5 thousand dollars in the mail. I called and they said they would send me the paper work via mail to apply for payment arrangments, but I couldn’t set it up over the phone. My question is, how good are hospitals (mine is in California) at working with people who don’t have medical insurance and have a limited income? I am a full time graduate student so this may be difficult to pay back..

Sarah Fields answers:

Good info about the Hill-Burton Act, it’s worth checking into. Also, if you are in California, and you don’t have much income, why don’t you apply for Medi-Cal? It’s not just for the illegal aliens around here, it’s for everyone.

When I was a student long ago, I had a premature baby and my mom’s insurance (which had covered me for the birth) refused to pay for my child’s two week hospital stay. Even then it was $30,000 and I was in a panic since I had a year till I graduated from college. Well, since I was unmarried and had no income, a social worker at the hospital helped me apply for Medi-Cal. I was able to receive this retroactively for the last three months, and for the next year for my child and I.

After I got a job, they continued to cover me, even though I made decent money, until my health insurance because available through my employer. Now, I pay back my debt by donating my time serving the public here on Yahoo! Answers for free. No, just kidding. But seriously…

You must meet the income guidelines and they are strict. Applying through the hospital will be easier than applying at a Medi-Cal office since sometimes they have their own Medi-Cal worker onsite. However, the state of California will not want to give you Medi-Cal, in my opinion, if you are white and look like you have money, this process will take longer as they will be suspicious of you. But once you get in “the system” it’s so easy to stay there. Medi-Cal is made for people like you who are in school, single moms, people who have fallen on hard times, in between job. You may as well try, what have you got to lose.

Go to the hospital and ask where the Medi-Cal office is, they will have one, probably on the first or lower floor. Meet with the worker there, bring your hospital bill and any information you have. See if they can help you. If you can’t get your bill paid for, then while you are there, you can certainly go down to the accounting/billing department and see if you can work out a payment plan. Tell them you’ve already applied for Medi-Cal and it doesn’t look promising but that you want to work things out, they are usually very accomodating. Most hospitals, especially ERs lose tons of money. They will be happy just to have someone making an effort, believe me.

I agree with the poster above that if you can’t get Medi-Cal, you should try to get health insurance through your university or at very least the health insurance that covers you for catastrophic illness/injuries. Good luck!

Lisa asks…

California Residents: I need my wisdom teeth removed ASAP…I’m 22 and have a child, but no insurance…?

Can I get emergency Denti-Cal or Medi-Cal or something like that? I really can’t afford the $2,500 out-of-pocket.

Sarah Fields answers:

When you don’t have money to get the care you need:

http://www.nlm.nih.gov/medlineplus/financialassistance.html

http://ask.hrsa.gov/pc/

http://www.omhrc.gov/templates/browse.aspx?lvl=2&lvlID=18

http://www.hrsa.gov/help/default.htm

http://www.thefrugallife.com/medicalalternative.html

http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N

Free and low cost prescription medication:

http://www.nami.org/Template.cfm?section=about_medications&Template=/ContentManagement/contentDisplay.cfm&ContentID=19169

http://www.themedicineprogram.com/links.html

This is about FREE hospitalization, if you need it and they WILL help you!

Http://www.hrsa.gov/hillburton/default.htm

Hill Burton Hotline
1-800-638-0742
(1-800-492-0359 in Maryland)
In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facility’s area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.

Http://www.hrsa.gov/help/default.htm

How to apply for Medicaid or medicare

http://www.cms.hhs.gov/MedicaidEligibility/

http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html

For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.

Http://www.ssa.gov/

For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov
How To Pay for Mental Health Services

http://mentalhealth.samhsa.gov/publications/allpubs/KEN98-0050/default.asp

http://depression.about.com/cs/findadoc/a/freelowcosttx.htm

Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/financialassistance.html
DENTAL HELP:
Free or low cost dental care United States

http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf

http://www.raconline.org/info_guides/dental/dentalfaq.php

FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.

Http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/

Need eyeglasses or eye care?

Http://www.nei.nih.gov/health/financialaid.asp

http://www.uniteforsight.org/freeclinics.php

How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor’s offices.
Here’s a list for every state:

http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm

Where can I go to get free or reduced-cost prenatal care?
You can call this number if you need free birth control help, too!
Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.
To find out about the program in your state:
·Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code
·For information in Spanish, call 1-800-504-7081
·Call or contact your local Health Department.

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