Friday, June 8, 2012

Can a father's health insurance cover the prenatal care of the mother who is carrying the child & the delivery

Can a father's health insurance cover the prenatal care of the mother who is carrying the child & the delivery?
We are covered under separate health insurance plans by our respective employers (she has an HMO, I have a PPO-HSA). There is a local hospital and OB-GYN medical group that is considered to be amongst the best in our area; although insurance does not include the hospital and medical group in their network, mine does. Can the medical bills for the pre-natal care and delivery be covered under my insurance (considering that it as much my child as it is hers) even though has own health insurance that would cover the expenses from a different provider? http://handyproxy.cn/health-insurance.html
Women's Health - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
If the father's insurance is an individual policy (not a family policy) then no, it would not cover the mother's medical expenses for anything, including prenatal delivery. On the other hand, if you have a family policy (covering both of you) then she would be covered. I think she can elect to go under your coverage for the preganacy and delivery, even if she has her own coverage, as long as your policy covers both of you. Your best bet is for you each to check with your respective insurance carriers.
2 :
mother can only use the insurance that she is enrolled in.

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Monday, June 4, 2012

Did you know that some of the new Health Care Law goes into effect on Thursday

Did you know that some of the new Health Care Law goes into effect on Thursday?
You can no longer deny Health Care Insurance to a Child for a Pre-existing Condition. Kids can now stay on their Parents Health Care Insurance until they turn 26 yrs old. Insurance Companies can no longer deny coverage once a person gets sick.
Politics - 13 Answers

Random Answers, Critics, Comments, Opinions :
1 :
THANK YOU MR OBAMA OBAMA 2012 GOD BLESS OUR PRESIDENT OBAMA AND OUR FIRST LADY
2 :
You forgot premiums that have gone up as much as a 100%.
3 :
Thank GOD! Many American families have been waiting for this.
4 :
These are some of the only FEW good things that the Healthcare bill had. If only the dems had the guts to stand up to big business and the republicans and do the whole thing right. sigh*** @ pixie, The deal is your premiums went up because this bill did not address the fact that insurance companies have controlled the high costs of healthcare and needed to be stopped.
5 :
yeah,i noticed it a few months ago when my premium went up a hundred dollars.now not only do you take taxes from my check to support the poor,now you tax my premiums and call it humanity.i call it stealing.
6 :
And I hope you are aware of how much this free health care is going to cost us. @@@
7 :
Thank goodness! There are too many families in this country that have needed this for so long.
8 :
Interesting. Have they done anything to lower costs? This private coop thing from Republicans is really Frankenbill - the worst of both worlds. They need to put public option back in - just expand Medicare or Romney care already, you twits, and get it done with.
9 :
I'll go along with the clause that states that an insurer can not deny or cancel coverage for a condition that was previously covered under your existing contract. Isn't that why we buy insurance in the first place? The rest of it is a bunch of Marxist Socialist Power grabbing irresponsible crap. Anyone can abuse power and distort laws if they a good enough shyster lawyer. Insurance Companies included, so we must consider both sides of each separate issue and place all aspects of these issues in perspective. The Idiot Fool side of this is that piece of crap legislation this corrupt Marxist Administration passed in the first place. Throw out the Congress and give America a chance to follow the Constitution for a change.
10 :
If Obama wants National Health Care, he has to get rid of the health insurance companies. There is no reason for any of us to be TAXED for Obama-care, and having to pay for health insurance too.
11 :
Cue the teabaggers: 'Obama hasn't done anything'.
12 :
Somebody had to do something, when I got sick, and they realized I was going to cost them a lot of money, my health insurance provider figured out a way to retroactively cancel my health insurance. They refunded all of the premiums I paid, and then sent me a bill for all the claims they had paid. And the Tea Bag Republicans claim that we have the best health care in the world, it may be, but only if you can pay for it.
13 :
That is why insurance rates for all of us are multiplying. That is why so many things previously covered by Medicare are not longer covered. That is why, in spite of the Michel's 'health initiative' most insurance companies have stopped coverage for weight loss and quitting smoking programs. You said 'Insurance Companies can no long deny coverage once a person get sick'. Surprise, surprise, most of these people do not pay for or have health insurance plans, most of these people are illegal immigrants. These kids from 18 to 26 years old can continue living non-productive lives, rebelling against parents that do not carry health insurance. Dream Act: It's a nightmare and does nothing for U.S. citizens who has spent their lives living by the rules, paying their taxes and now losing their homes, jobs and depressingly living on food stamps and food banks. This also seems another scheme for parents and teachers to diagnose and find doctors to declare their very young children with Attention Deficit Disorder and give them 'medication', not to help the children but to subdue their children and to receive more government subsidies' Case in point the Riley case now on Court TV where they finally overdosed and killed their two year old. Progressives' and Obamas' goals seem to be to redistribute wealth to not just the in the U.S. but to all the progressive, poverty nations of the world.

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Friday, June 1, 2012

What are your thoughts about a daycare focusing on your child's health and fitness? Would you enroll

What are your thoughts about a daycare focusing on your child's health and fitness? Would you enroll?
I am planning to open a daycare teaching children to love healthy food and learn how to actively play and exercise. I need your thoughts from a parent's point of view and what is the demand for this type of care, like a "daycare". The curriculum would entail the alphabet exemplifying its letters, like "a" for asparagus, apple and apricot, then actively play a game with the letter "a" in it, like "all about action" then the children would learn about actions. I need your thoughts! Please help! Adrienne
Preschool - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I think it is a good idea. I would enroll my child.
2 :
I would enroll my child. Sounds like a great idea -- seeing how so many little kids are becoming obese - and even morbidly obese. Good idea!
3 :
One of the major things I looked at when choosing a preschool was having a second language integrated into the curriculum. The popular languages right now are Spanish, Chinese, and Sign Language (especially for babies). I didn't even look at schools/daycares that didn't offer it. One of the things I love about my sons current school is the cooking class they do. The kids learn math (measuring), nutrition, cooperation, and the satisfaction of making something they enjoy. This would fit in well with your concept. I also asked about their cleaning schedule (if toys and everything they touch isn't cleaned every day they get sick a lot more often). I also liked that my sons school stresses self-care. Things like brushing their teeth and hair, learning to put on clothes and jackets themselves, washing their hands (and why they should), cleaning up after themselves, etc. I wanted my son to be independent and this helped with that and made him more confident. Another important thing I looked at was student-teacher ratio and what qualifications the teachers/day care providers had. I also asked about what kind of background checks they did. You want to look at the different educational styles and see what each stresses and the benefits to each so you can answer parents intelligently when they ask about your theory/style. There are things like Goddard, Montessori, Waldorf, play based, etc. You don't have to choose just one but you may want to say that you incorporate aspects of each into your curriculum (but only if you do because some parents study this stuff and will quiz you on it). Look at the listings of pre-schools and daycares in your area - call and ask questions as if you were a parent. Your first question should be tell me about your school and why you think it's the best. See what perks your interest and what that schools key selling points are so you know what you should include in your daycare. Daycare isn't just daycare anymore. I know that in my area daycare these days is more pre-school than daycare - no matter what the age we expect you to be building the basis for our child's entire education. Now that parents know the importance of the early years we want our children learning not just being babysat. You also want to look at the regulations for getting state approval. A lot of parents receive subsidies from the government for daycare (especially if you live in an area with a lot of military people) and making sure you are able to get certification from the state, city, and/or military could mean the difference between a ton of profit and struggling to get by. You can also attend conferences for teachers to learn about the latest techniques and theories for pre-school learning. This is a big plus for parents. You can set yourself apart by offering things like: Organic snacks Offer odd-hour and weekend day care for parents with demanding schedules (you can charge a premium for these services). Low student-teacher ratios Bilingual curriculum so the child gets immersion in a language (hire a spanish or chinese speaking assistant if you don't) Look at what other countries teach as far as early childhood education and incorporate what sounds good to you into your curriculum - I was especially impressed with how Japanese schools paired older children with younger children - it teaches and benefits both kids quite a bit. Put a brochure together that lists the important parts of your curriculum. Include separate areas for different ages or different brochures for different ages. Make sure you come up with something with music - whether it's Mozart during craft projects or Beethoven snack time - parents look for this for younger children. There are lots of cheap instruments you can get so you can add a music class. Crafts are important for fine motor skills - the web has tons of good info for pre-school and toddler art. Come up with a cool name for your art curriculum and advertise it as a bonus. Make a simple website for your daycare center - people are much more likely to call you first if they can do a lot of their research at their convenience. Depending on your tech know-how... Some daycares offer a secure service for parents to check in on their kids over the web. They also feel better just knowing it's there so they trust you more (if you're willing to be watched you must not be doing anything wrong). You could probably get a college kid to put a site like this together for you and set up the webcams for a reasonable price. This is a major plus parents are willing to pay a premium for - they feel safer knowing they can peek in on their kid at any time. Hope this helped - email me if you have any questions!

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