What is a good health insurance for children with special needs?
My son is on a feeding tube due to a small bowel transplant he received last year. My husband and I are returning to a full work schedule and our health insurance (Tricare) does not cover a nurse for him, or special daycare because his only special need is the feeding tube and the medication he receives through it. Apparently that's not enough. So is there a good company that I can purchase insurance through who will cover these types of things for him?
Parenting - 3 Answers
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1 :
I'm sorry to hear about your son being in this condition. There is not a company that will insure him to cover the medical problems that he has, that I know of. There are some which say they are guaranteed issue, and cover pre-existing conditions, but they are not Major Medical coverages, which you need. Check out this site, if you want to find the cheapest health insurance just in one minute, http://cheap-health-insurance-usa.blogspot.com/ Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
2 :
There are no insurance companies that will cover preexisting conditions and stay in business. The math does not work. However, you can get MySimpleCard.com membership and get the medical services you need at a lower rate, as much as 50% off. Hope that helps.
3 :
Apparently KATTY is employed by “MySimpleCard.com†or an insurer as it is her “standard answerâ€. Her answer of "good luck" is just how the giant insurers that deny coverage of pre-existing conditions view your situation as well as others that simply don't have the $$ for private insurance coverage. With the government option, these insurers will be scrambling for your business to stay alive and may lay-off KATTY, to save money and boost their profits, thereby putting her in the same situation that we are. Her assumption that everybody makes enough $$ in their job to even have any savings to afford any kind of insurance is very elitist and absurd. She suggests that everyone read 1984 by George Orwell, which was mandatory in my education. What she doesn't realize is that we are already there, with cameras on every street corner, the ability of the govt. to track cell phones, HDTV that can be shut down or used by the govt at their whim to disable dissemination of knowledge. She doesn't recognize these things, but she denies you should have the same benefits of insurance coverage that Congress and the President has, at the taxpayers expenses, by invoking the premise of 1984 and possibly for fear of losing her job. KATTY, if you REALLY believe 1984 hasn't arrived yet, I suggest that you go back and re-read it because you have definitely forgotten the premise of it and choose only now to invoke it instead of when the govt was taking away your freedoms many years ago. Wake up KATTY and realize that there are MILLIONS that may not be as fortunate as you... "But for the sake of God, there go I".
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