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Health Insurance Quotes For Children Question & Answers

2013 September 17
by Sarah Fields

Laura asks…

What sort of circumstance would have to occur in order to get a late-term abortion?

This is not a question to begin a debate on whether abortion is right or wrong.

But I was wondering what sort of circumstances would have to occur in order for a woman to get a late-term abortion?

Do they just change their minds or what?
Also, I am very sorry if this question offends ANYONE. I only have genuine curiosity.

Sarah Fields answers:

Are you asking about legality or about a woman’s choice? In most states and countries, elective late-term abortion is banned; the only way you can access it is to have some sort of complication with the pregnancy- severe fetal anomaly, for example, or a threat to the life or health of the mother. Late-term abortions are very rare; only 1.5% of all abortions take place past 21 weeks.

If you’re asking about second-trimester abortions- those which occur later in a pregnancy, but not past 24 weeks- well, most women would rather not have had them so late: 58% of women seeking abortion (and 91% of those seeking it in their second trimester) report that they would have preferred to have their procedure earlier (http://blog.beliefnet.com/stevenwaldman/2009/04/safe-legal-early—-a-new-way.html ). Most women would like to have their abortions done early, but face blocks in accessing it, which include:

* Physical access. 88% of counties do not have an abortion provider- meaning that for someone who has difficulty traveling, affording travel, or getting time off to travel, they may have to wait longer. In addition, many clinics may only perform abortions one or a few days a week, making it even harder to coordinate one’s abortion.

* Money. Abortion is increasingly becoming concentrated amongst poor women who often cannot come up with enough money to access it early (which is ironic, because that then means they have to get an even more expensive second-trimester procedure). 42% of women obtaining abortions have incomes below 100% of the federal poverty level ($10,830 for a single woman with no children; 27% of women obtaining abortions have incomes between 100–199% of the federal poverty level (http://www.guttmacher.org/pubs/fb_induced_abortion.html ). Take the horrendous atrocities that happened at Kermit Gosnell’s “clinic” (I put the word in quotes because that was no clinic in the way good, licensed, reputable clinics are)- the women he preyed on had an average monthly income of about $503; their abortions would have cost between $350 and $450, and none had insurance that covered the procedure (http://jezebel.com/5739884/what-a-horrible-doctor-can-teach-us-about-abortion-in-america )

* Onerous laws. Many states have put in place mandatory waiting laws, in which a woman must wait a certain amount of time between her initial appointment and the appointment for the procedure itself. This often makes it more difficult for women to access abortion early; if she had planned to take one day off of work to have her abortion, now she must take off two days (or more, if she has to travel). Many clinics require a proof of lodging at a hotel, meaning that she may need to pay for a hotel if she has to travel (already adding more cost). For a woman who is deeply poor, the additional costs associated with a mandatory waiting period can make her hold off months as she scrambles to get the funds together.

* Being lied to. Crisis pregnancy centers, also known as “CPC’s”, are pro-life/religious-affiliated fake clinics (most do not employ licensed medical professionals) whose goal is to talk women out of abortions; they often advertise online and in the phone book as if they provide abortions (but they do not), and set up their clinics near to real abortion-providing or abortion-referring clinics in order to try to trick patients into coming in there instead, where they will disseminate misinformation and lay on heavy propaganda to try to change the women’s minds. Several people have noted that these CPC’s will lie to women about their pregnancy tests or ultrasounds- either telling them that they’re earlier than they actually are, so that they think they have time and end up passing the legal limit to get an abortion in their state, or telling them their pregnancy test is inconclusive and they’ll need to come back later to do it again, for the same purpose of making them wait past the legal limit.

* She wasn’t aware she was pregnant. People like to scoff and hate on women (“how could you not know you were pregnant!”), but if there’s anything TLC has taught us, it’s that there are enough women who literally gestate 9 months without ever knowing they’re pregnant to create an entire series. Some women are on birth control and still conceive, some think they’re at low risk for pregnancy (for example, I have polycystic ovarian syndrome, which means I’ll probably have significant difficulty conceiving, though it won’t be impossible), some have irregular periods and therefore don’t notice until later that they’ve missed one (indeed, one of the symptoms of my PCOS is amenorrhea, a lack of menses- if I don’t take birth control pills, I don’t bleed at all), some have stress and other issues that may cause them to not notice their cycles, or the symptoms of pregnancy (often coupled with a little bit of denial).

Paul asks…

As a child support payer, has the system ever treated you unfairly?

The system once actually misplaced my payments. I had to hire a lawyer to fix it and the system never admitted their mistake. Twice, the system claimed that I owed thousands more than the real amount. I hired an Attorney for both cases and the problems were resolved. I did receive an apology by an assistant DA for the last incident but no explanation was give otherwise. Have you had similar experiences?

Sarah Fields answers:

Http://www.ajc.com/opinion/content/opinion/stories/2009/06/21/sacksed_0621.html

Interesting quote:

“For example, in one case highlighted by the Boston Globe, a divorced father who worked in the real estate industry had been paying $6,000 a month in child support, plus additional expenses such as health insurance and tuition. When the real estate industry crashed, he fell behind and, with an application for a downward modification still pending, was handcuffed in court and jailed for 30 days.

The Bergen Record recently detailed the case of Peter Triantafillou, a divorced dad who agreed to pay $5,000 a month in child support in 2006 while earning a good income as a trader. When the economic downturn hit, he was laid off twice and now earns only $60,000 — exactly the amount of his child support obligation. He says:

“They had an arrest warrant on me. I had to go to jail for two days. I could understand if I was a deadbeat dad. Or I was on the run or something. But I’m here, picking up my kids after school. I’m involved. Just because I don’t have that much money to pay anymore doesn’t mean I should be chastised.”

National Public Radio reported the case of a Cape Cod, Mass., father who lost his job in January but is still required to pay $3,466 a month in child support and 65 percent of college expenses for two of his children. According to NPR:

“He petitioned the court to pay less child support but … had to wait two and a half months for a hearing. Then the judge denied his request to temporarily lower his child support payments and scheduled a trial for July … typically, it takes six months from the time a noncustodial parent petitions the court to pay less because of a job loss to when the court makes a decision.””

Sharon asks…

How much does health insurance cost?

Just On average how much does health insurance cost for one person and one child

Sarah Fields answers:

HMO is $300 a month for medical, dental and vision coverage, $25 copay for an office visit, and a $300 deductible for inpatient care.

You can expect to pay $100 per month per person for full major medical coverage. I agree with you that $170 a month for just you is unreasonable. Cal a local BCBS agent and get a quote, if you are healthy and have no major health concerns, take no prescriptions, etc. You can do better with a private policy, but you should compare carefully, a cheaper policy could mean a larger deductible. Look at the deductibles and coinsurance on the group plan. If you are not healthy or have some major health concerns, you need to take the coverage on your job.

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