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Baby Insurance Coverage Question & Answers

2014 January 14
by Sarah Fields

Lizzie asks…

Are there any home remedies for ear infections in babies?

My nine month old son has an ear infection in both ears. He has done two treatments of antibiotics and they haven’t phased it. We were supposed to have a follow up appointment on Tuesday but our insurance coverage ( we have insurance through the state) ended on Friday. We are waiting for an appointment to get our insurance back, but I don’t want my son to have to suffer until then. I found several home remedies for adults but I couldn’t find any for babies or children. Please any suggestions would be greatly appreciated.

Sarah Fields answers:

Yes, and i know that i will get some thumbs down for this but i don’t care. Breastmilk.


Make the appointment. Insurance will go back and should cover over the last 30 days. Also make sure baby isn’t eating laying down or taking a bottle to bed.

John asks…

How to get health insurance for my unborn daughter?

I’m 22. I have health insurance coverage under my parents (it’s just better insurance than I could get on my own, that’s why I’ve kept it). However, I am pregnant and need to find insurance for my daughter for when she’s born. Under my current insurance, I am covered but she is not.

My question is, what should I do? I got an application for Medicaid but will it cover her before she is born, even though I don’t need insurance? Any advice?

Sarah Fields answers:

You will have to wait until she is born. You will not be able to get a policy for her until then. You can apply for medicaid for yourself now (even if you do not use it) and add her within 30 days after birth, she will be covered. Some states allow the baby to be covered under the mom’s medicaid for 60-90 days after the birth. Check with your state to see if they are one.

If you want private insurance for her, go to an independant agent and get the basics set up-know which policy you want to purchase ahead of time. Then when she is born, send the required paperwork in.

George asks…

How to Keep insurance if you quit your job?

I would like to know if and how you keep your insurance coverage if you quit your job. I am pregnant and my job is to stressful and I would like to do something part time for a family friend instead. But I need to know how to keep my insurance coverage.

Sarah Fields answers:

If your employer is COBRA eligible, you buy COBRA from them. It averages $450 a month, per person – and will go way up after you add baby to it.

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