Tuesday, December 28, 2010

Help with finding individual health insurance

Help with finding individual health insurance?
I'm 16 and my parents do not speak English. My sister and I (16 and 18) have Child Health Plus and my mother has insurance through her job. My dad currently has no health insurance because he could no longer afford to pay over $250 a month for insurance. He has diabetes and is having trouble controlling his blood sugar. How do I find an affordable insurance company? They said we can't have family health plus since we make a little over $3,000 a month but half goes to rent. What should I do? What is Healthy NY? Any advice??? thank you
Other - General Health Care - 2 Answers
 


Random Answers, Critics, Comments, Opinions :
1 :
Usually with a plan through an employer, like your mom has, a spouse can be added to their policy at a decent rate.
2 :
healthplans.bebto.com - my family have this health insurance. It is affordable and has good coverage for dental issues.




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Friday, December 24, 2010

health insurance for child

health insurance for child?
i'm looking for a low cost insurance plan for 1 child. not medicaid or anything like that, but the one's i've found are about 200-250/month. location is north carolina.
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
That sounds like a lot. Have you tried the online services that let you compare quotes from several companies? There are several good ones. There's no cost or obligation. Here are a few: http://necessaryvirtues.com/recommends/insure-health http://necessaryvirtues.com/recommends/insureme-health http://necessaryvirtues.com/recommends/ehealth Good luck!
2 :
obviously every state is different but you might check out your local Blue Cross. 200-250 for health insurance on 1 child is pretty high. Look into a PPO, if you are trying to save $$ then HMO's are typically not the way to go.
3 :
In addition to the recommendation above, consider North Carolina's Children's Health Insurance Program. It's separate from Medicaid (Medical Assistance) and offers a sliding premium schedule according to family income: http://www.dhhs.state.nc.us/dma/cpcont.htm#about Your state insurance commissioner's office may be able to advise you regarding other alternatives, so you might want to call there, also. I hope this helps.
4 :
There are many web sites offering health insurance quotes for children. You want to make sure you understand the coverages offered, coverage limits, deductibles, co-pays, and exclusions for any pre-existing conditions as this may affect how much you pay and what coverages you receive. To compare rates and plans for health insurance for your child I recommend the two top-rated health insurance quote providers: 1) InsureMe - they give you the five best health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health 2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country. I hope that helps! Take care and best of luck!
5 :
Is the child healthy? If so, look for a PPO plan. Specifically, a HDHP plan. It stands for High Deductible Health Plan. Don't be fooled by the title, its an IRS definition. These plans provide the best coverage for major sicknesses or injuries, which should be the main concerns for a healthy person. The High Deductible will give you a lower premium. This makes it affordable, and gives the most coverage when you need it the most. Don't worry about copays and all that other crap. Insurance companies bury the cost for your copays in the premium anyways. People assume that copays are such a great benefit. The only problem is, that you already are paying for the office visit and prescription in your premium. You can find a plan like this for less than $100.00 a month, depending on the age of the child.




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Monday, December 20, 2010

Can health and welfare take out more than half of a fathers paycheck for child support

Can health and welfare take out more than half of a fathers paycheck for child support?.?

Marriage & Divorce - 5 Answers



Random Answers, Critics, Comments, Opinions :
1 :
It depends on what state you live in. I know in Utah they can take 25% of your gross pay.
2 :
Your question is confusing. Is the state going after him for public assistance benefits received, or is the state filing a child support case against him? Either way, each state has its own guidelines, but it's generally this maximum for child support: Single noncustodial parent with no arrears in child support: 60% Single noncustodial parent with arrears: 65: Married/parent with another dependent with no arrears: 50% Married/have another dependent with arrears: 55% I'll try to find the website that supports my percentages. Those are for WA.
3 :
No they can't. They can only take up to 50%.
4 :
No they can not unless you are in the arrears. Even then they will only take 50 percent. Usually the maximum is 25 to 30 percent depending on how many children their are.
5 :
It all depends on what your ex makes. I pay 60 to 40 according to the state...it sucks but it is what it is. She gets my money, I help pay her mortgage, heat, ac, food for my son, and I get nothing. Up to a third of my check is gone every month while she gets my money...plus hers...





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Thursday, December 16, 2010

Mother does not use health insurance that father is providing for his children. What should happen

Mother does not use health insurance that father is providing for his children. What should happen?
I pay $550 a month for health insurance for my children. One of my children became sick and was in the hospital for a week. I called the hospital to verify that the insurance that I have provided was being used. Both the hospital and insurance company stated that the insurance was not used. The mother used the state provided insurance called Tenn Care, which is paid by the tax payers. What happens in this situaton. I feel like my money is being wasted, because it is not being used. What can I do?? Thanks, Concerned in Tennessee
Family - 9 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Quit paying it. Cancel the policy. Problem solved.
2 :
keep paying i guess lol
3 :
I would not think the children would even be eligiable for the state insurance, since they HAVE insurance and their father makes too much to be eligible for state aid. Call the hospital and tell them there was a mistake and give them your insurance information. That's probably the best way to do it without getting your ex in trouble for insurance fraud.
4 :
important thing is ur children are coverd. If Tn care is covering them well then save ur money use it to do something nice with/for kids. If the coverage is inadequate ( as medicare was for my mom resulting in her death at the hands of a quack ) then try and get ur wife to use urs and sue for neglect try and get custody if she balks
5 :
If you are court ordered to provide it you must, but the wife is double dipping. Notify the state and provide them with your insurance information. This is what is wrong with our countries financial system--the people like the wife taking advantage and the states lack of communication.
6 :
Tracy H. Is right. Medicaid is suppose to be for children who do not have insurance. You are basically paying twice to have your children covered. 1) by paying for insurance and then 2) by paying taxes to pay for Tenn Care. Now saying this. A dumb question is does the mother know you have the children covered and does she know how to access it? If Tenn Care has as many limitations as Texas Medicaid or CHIP (children coverage here) has here in Texas I don't think she is deliberately trying to avoid using your insurance. I'm of course just assuming. Here in Texas it would actually be more of an effort for her to use Medicaid instead of a private insurance company.
7 :
Make use of google to collect some related links or you could try to use answer engines like yahoo answer or answer.com to get some related answers.nonetheless,If you like some direct resource,here http://www.HealthInsuranceFreeTips.info/free-health-insurance.htm is a good resource from my own experience.
8 :
if you can get proof the children are covered, you can probably get them dropped from your insurance, but you will need proof to do that
9 :
The mother is committing fraud, in that she has obtained coverage without informing them that there was already insurance coverage. The only good reason to do this is so that welfare come after you for some or all of the cost. It will not matter by then whether or not you have coverage, only that you have deeper pockets. A California father, who had custody since the divorce, was ordered to pay back welfare for what the mother collected for 7 years years by claiming she had custody and didn't know where he was. Notify welfare AND the county prosecutor. Consider preparing a custody challenge, should she get arrested. If you need help with that, go to Dads House in Yahoo Groups. There's an educational manual in the file section that can teach you what you need to know. The organization it came from is defunct due to attorneys that tried to take it over and make money from it. Take the time to learn what you can and should do. http://health.groups.yahoo.com/group/DadsHouse/ http://www.rcfp.org/taping/ http://www.glennsacks.com http://www.parentalalienation.org/





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Sunday, December 12, 2010

Should parents have final say on child's health

Should parents have final say on child's health?
I work in a health room for an elementary school. I am always having to walk a thin line between what school staff wants and what parents want. For example a student with a red eye is brought up to my room, for possible pink eye. I call home, mother says it is from student getting hit in eye by ball the day before and student is trying to go home. I believe the parent, and send the student back to class, but school staff, who is not over me at all the county health department is, says that I was wrong and they are taking him home. Shouldn't the adult parent have the final say on if the student should go home or not, especially if I, the trained professional sees no reason to disagree with the parent? I look like a teenager even though I am 27, and I think the school staff treats meet like a teenager instead of trusting me in doing my job. Could that be a part of it?
Parenting - 8 Answers
 


Random Answers, Critics, Comments, Opinions :
1 :
The parent should definately be trusted. However, the teacher probably sees it as better safe than sorry. I wouldn't be too offended.
2 :
i am with you, i am a nurse too and it makes you feel like you know nothing when others second guess you. If this mother was notorious for lying then sure, but if the kid backed up the story i see no need in making a child miss school for no reason. GOD BLESS!!!!!!!!!
3 :
I think the parent should have the say if you the professional agrees,and I'm sure that your age has something to do with it...I'm 21 and I own a successful furniture store, and it is sometimes hard for me to talk with bankers and other business people because they think I'm so "young" some of us are just wise beyond our years...good luck and don't sweat it.
4 :
your'e there to do your job which you are qualified for, i don't think they would like it if you tried to tell them how to teach the children, maybe thats something you should try, then they will know how it feels.
5 :
That is a hard question!!! Since you are the medical professional in the scenario, I think that YOU should have the final say on whether the child can stay in school. You know how some parents are....they will say their child is fine so they don't have to take time off from work, when in fact the child is not okay at all, and should be home. In the situation you mentioned, you looked at the child and talked with the parents. It should have been your call to make, not the school's.
6 :
If the school nurse (or health professional) says the child could possibly have an infectious disease (like pink eye) then the child needs to go home. It doesn't matter what the parents want. The school handbook says you can't be at school with infectious diseases.
7 :
I would think that if the parent knew that an accident took place and that is why the child's eye was red it should have been sufficient to keep the child in school.
8 :
ok the key is what is best for the child .. it isn't about who makes the final descision ..




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Wednesday, December 8, 2010

Will my child still get benefits from the army if im not married

Will my child still get benefits from the army if im not married?
I'm a few months pregnant, (& yes i'm old enough) my boyfriend is currently in Iraq, except hes not really my boyfriend anymore :\ I was wondering if my child would still get health insurance / college money from the army if his father was in service? or do we need to be married in order for any of that to happen?
Military - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
A "dependent" is defined as: b. Any natural child (legitimate or illegitimate) or child adopted by the applicant, if the child is under 18 years of age and unmarried, regardless of whether or not the applicant has custody of the child. The term natural child includes any illegitimate child when: the applicant claims the child as theirs, or the applicant's name is listed on the birth certificate as the parent, or a court order establishes paternity; or if any person makes an allegation of paternity that has not been finally adjudicated by a court;
2 :
He will still be eligible for dependant benefits, yes. Be aware though that "College Money" is solely at the discretion of the service member, your son will only get part of his father's GI Bill IF THE FATHER chooses to give some to him.
3 :
The baby's dad would have to enroll him in DEERs for the child to get benefits. He would need a copy of the birth certificate. The father if he meets requirements can transfer part of his GI Bill to his child. When the child is older he can apply for special grants.
4 :
Yes your child will get benefits. Please see a lawyer who deals with the military and establish paternity. You will receive a check for child support every month and a military card for the little one for health care. As for college money is one must save for that.





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Saturday, December 4, 2010

I pay my ex husband $300 mo. child support plus picked up her health insurance. He threatens to take me to

I pay my ex husband $300 mo. child support plus picked up her health insurance. He threatens to take me to?
He always threatens to take me back to court. This is my daughters senior year of HS. He says if i don't pay 1/2 of all the expenses he will take me back to court. I pay 300 a month child support and pay for her health insurance. I am very strict with my budget and have approx. $90 left a month after paying bills. It is not that i don't want to help, he has made it impossible for me to do that. I give my daughter what i can at the time. I work Monday thru Friday and got a part time job on the weekends working midnights just to make ends meet. I am trying to make extra money to give her for school clothes. She tells me her dad says the child support he gets is for the electric, water etc. that she uses. She chose to stay in her childhood home. Her best friend lives across the street. Her dad has a large 2 story house with a pool in the backyard and a 4 wheeler. My question is --- can he legally take me back to court for more money for pictures, clothes etc. When i am fulfilling my obligation (that he fought for in court) by paying support and keeping her covered with health insurance?
Marriage & Divorce - 11 Answers
 
Random Answers, Critics, Comments, Opinions :
1 :
my husband pays four times that, and half the expenses and health insurance. he had to leave everything for her, including the house, belongings. and he had to pay BIG $$ lawyer fees. Oh, and she was the one who cheated.. And the ex doesn't work, I work my ass off, and we are in debts up to our ying-yang
2 :
It's normal for parents to take parents back to court over issues with their children..he can try to get an increase, but if you make the same amount of money, he will not get anywhere..I would wait to see if he follow through with the threat..some many people threaten things like this all that time and do nothing..
3 :
i think the court will find reason why you can't pay more on child support. he sounds greedy. and like you said you 90 bucks left ea mo right. so.... just tell him to pay the bills with his own money and use the child support for the things his daughter needs.
4 :
yes, he can legally take you back to court for more...but that does NOT mean he will get his way. Best of luck.
5 :
No, he can't. No court will make you pay more than you can, as it will make any payments you are making now impossible. Your child support is based on what YOU can afford, not on all the things your ex-husband thinks he should spend money on. My boyfriend's ex, while nice (not like your ex), has a major spending problem. She signs their daughter up for numerous activities, without his consent, then asks him to pay for them. While he does, because he CAN, if he didn't have the money, he wouldn't legally be obligated to pay. Don't worry, he's bluffing. If anyone has a case, YOU do. Only 90 dollars left at the end of the month? Geez, you are a saint! And obviously love your daughter very much.
6 :
Yes he can take you back to court but more then likely he will not be granted to extra money.As long as you are paying what you are ordered to pay I would not worry about it the things that he is taking back to court for are things your duaghter can live with out there for judge will more then likely throw it out of court.
7 :
Yes he can take you back in the state of cali you can take your babies parent back to court annually or if there has been a change in either yours or your ex life. had a kid, got married, moved, new job, lost a job, excetra. But keep in mind they do go off a some what of a calculator and consider both of your incomes. so you never know it might benefit you to go back. if your life style had had a major change.
8 :
He can take you to court for any thing he wants... will he? Probably not. Just be honest with him, tell him you would pay for every thing if you had the money, you can't do any more than you are doing. That you feel bad enough that you can't provide for your daughter like you would want to during senior year (it is very expensive for all the events). Just be honest.
9 :
make sure to save all your financial paperwork. then if and when you do go to court, you can show the judge what the realities are and will likely take your side. but you have to have evidence. so make sure to get your papers in order. thank goodness your daughter is almost 18. hopefully, that's when the child support will end.
10 :
No call his bluff and tell him you will see him in court and he can cry to the Judge. He can want all he wants and for whatever he wants but unless you make considerably more money than you did when the support was first decided then it wont do him any good at all. Youre fulfilling your obligations of the support decree so he just has to learn how to live with what you give. It could backfire on him as he will have to prove what he uses the money for and ultility bills arent child support. Hes just trying to extort more money out of you by using threats of court action which wont work. So call his bluff and tell him that the Judge will be especially interested in his exploitation threats. No need to worry here
11 :
First, let me compliment you on paying child support. That's extremely rare. Less than 7 out of 1000 non-custodial mothers. I'm a fathers rights rep, so I can tell you that it is unlikely he would have a case. Also, the legal fees would run him more than the expenses. If she needs extra things for her senior years, that he can't afford, than she can get a part time job to pat for them. \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\





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Wednesday, December 1, 2010

In Virginia, how much would I get for child support

In Virginia, how much would I get for child support?
This is my only child. I make 40k. I pay for child care and health care. Child care is 320/month and health care for just the child is 200/month. Her father makes 28k and has two other children. He pays 250/month for one child and 190/month for the other child.
Marriage & Divorce - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Not much. Maybe 150 at them most. He has to have enough money to make a living for himself. I know its not fair, but it's just the way it is.
2 :
♥♥♥♥♥♥♥♥♥♥ Well, it's a good thing you're not a custodial father, as you would still have to pay child support to him, due to your income level. As for how much you will get will have to come down to the interpretation of the judge in considering the other two cases. As such, there's no real way to predict it.



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