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Baby Insurance Prices Question & Answers

2015 July 25
by Sarah Fields

Laura asks…

can my wife work illegally to support our baby?

I am currently unemployed and collecting the unemployment benefits. I am also looking for work, but my wife wants to work illegally to help support our house hold. I have been told that if she works illegally and was caught, that we could loose are baby. Is that true? Also, any kind of employment for her right now would be considered illegal because of her immigration status. We have already filed paperwork to change her status, but no word has been sent to us. What should I do to prevent her from working illegally and from loosing our baby if she were to work?

Sarah Fields answers:

The State Department selectively does whatever and there is no flat answer for her working illegally. Since you are doing the right thin to change her status though, they seem to go hard on those that are trying to do the right thing. Very dyslexic in my opinion.

Could you find something that pays under the table? I do not recommend doing anything illegal, but under the circumstances, it sounds like you are giving it an honest effort to do it right, and with the economy being the way it is and gasoline prices climbing directly because Obama refuses to allow drilling in the Gulf, off the East or West Coasts, in Alaska, or anywhere else, I would say do what you have to do to keep the family together.

You may need to be creative to find something if you don’t have technical skills or a degree. Some businesses do need help, but are reluctant to hire because of not knowing if their taxes will go up because Obama keep threatening to raise business taxes, and because of the confusion and the mandates of Obama Care, which costs businesses money. Many business have left the US and gone to other countries because ot the opressive taxes, regulations, EPA regulations and mandates, and high operating costs because electric and fuel cost keep spiking. Some are willing to pay under the table to prevent having to pay the extra taxes. For every dollar they pay to the employee, they have to pay about $0.70 to $1.00 additional in mandates and taxes before the costs of real estate rent or mortgage, insurances and other legal fees, and untilities. Businesses have to charge at least two to three times the amount they pay employees, just to break even.

Working outside the system saves them a lot of money and you can make a little more sometimes. I hope this helps you to understand a few things to make a decission.

I do wish you the best of luck!!!

Paul asks…

I own a small business, what are my options in California for affordable health insurance?

What I’d really like to know is, if there are some of you out there who own their own business, how much are you paying monthly for health insurance? I need to cover my wife and 2 kids and not having insurance doesn’t seem to be working. Is AFLAC good?

Sarah Fields answers:

Aflac is indeed a summplement insurance plan..
What I currently have is AmeriPlan USA… I started off with one of their plans… Liked it used it.. And then found out I could tell others about it and get a commission off of it as well! So I thought why not!.. So you can check them out at They have been around for 16 years..and are a discount for a service health benefits company.. So it’s not like normal insurance where you wait forever.. And only have limited visits where you pay 50 dollars a time. You can use it as much as you like, as often as you like or as little as you like. The price is right.. Just a dental plan is $19.95 a month, Basic health is 30 per month per household..and total health is 40 a month per household..and that includes medical dental, vision, prescription drugs, chiropractic, lab work, braces… Everything health related. Even cosmetic surgery you get discounts on!

I have 2 kids under two.. And they get ear infections about once a month. So what I do is..every time they go to the doctor..with ameriplan they give you 40-60% off the visit.. Then you get 25-50% off the prescriptions.. And one visit is less than the normal monthly ins. Premium for a family of 4.
You can also go to any hospital of your choice..and anything over $2500, ameriplan has a advocate work with the hospital and gets that bill lowered for you as much as possible.. (usually over 50% off).. And then you can pay off that bill interest free over the next 1-4 years.. (that’s what I did when I had a baby 6 months ago…)
So if this interest you.. Please visit the site.. And my contact info is under the contact section.. I’d be happy to talk to you further about the coverage and how the discounts work.. Anytime between 8 a.m. And 8 p.m. Central time.. Of course.. Cause my babies need sleep!

I sure hope this helps.. My family is in the same husband doesn’t get coverage through his employer.

Nancy asks…

What do I absolutely HAVE to have for when my baby arrives?

This was an unexpected pregnancy, and my boyfriend and I just don’t have the money (or the space) for lots of baby stuff. Even though I would LOVE to buy everything, we just can’t afford things we don’t need. So I just want to know what the bare essentials are. I am planning to breastfeed and we are planning to use cloth diapers. Any advice would be appreciated! Thanks! :-)

Sarah Fields answers:

You definately need a crib for the baby, and I say crib not bassinet, because if you can’t afford much this will last you longer, cuz the bassinet is for the first 3 mo. And thats it. Wal-mart has good prices on everything. U will also need….
1. Baby shampoo, soap, lotion
2. Lots of diapers, lots!
3. Plain white onsies, u will change a lot cuz of spit up!
4. Burp rags, although i use receiving blankets, there bigger and can be used longer.
5. Bottles/bottle brush even if your breast feeding, just incase you need a babysitter.
6. Q-tips/rubbing alchohol for umbelical cord!
7. Swaddling blanket
8. Car Seat
9. Let the baby sleep in your room, then you don’t need a baby monitor
10. Breast Pump, since your not married, your insurance company that you have may give you a breast pump for free, mine did before i got married, so check into that, ask the hospital, the lactation consultants they have gave me that advice! This will save you a ton of money!
11. Also a thermometor is helpful, you will use this a lot!
12. Also im adding, when r u due, and what r u having, because I have a son, and soon to be daughter in a couple days, so either way if i can help you out by giving you anything that you can’t afford, let me know, my e-mail is and I have no problem mailing you anything that I wont be needing anymore. Hope this helps a little. Good Luck

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