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I know a teen who is currently covered under her parents insurance until shes 23 only if she attends school fulltime. Shes now pregnant and the chances of her attending school fulltime are getting slim. What insurance will she be covered by if she loses her parents insurance? Also what insurance can the baby get after its born? I gotta also mention that she will still be living at home with parents so will their income play a role?
tell your friend to tell the medicaid office that she pays her parents rent...but even that will be difficult if she has no proof that she has a part time job.. even income as little as 150$ a week would work.
Posted by jennandrolo
Posted by RitasEngaged
Posted by jennandrolo
Posted by RitasEngaged
I know she will have basic checkups covered but my friends cousin has the same issue and for instance her sonograms were not covered. Does the babies father have a FT job?
well sonograms and all prenatal care are covered by her fathers insurance. the main concern is after the birth. no he does not hes a year younger so with another year of high school left there is no full time job in the near future.
If she is under her fathers insurance yes than everything will be covered but once she is not and if she is still pregnant than I don't think the sonograms will be anymre.
now i dont know if you know the answer but if she is living with her parents as a young mother will she be considered independent since she has a child and be eligible for medicaid and other programs such as WIC?
I work for an insurance company and she should be entitled to continue her benefits through COBRA. It's a continuation of the same level of benefits that she had while covered under her parent. She's entitled to keep the COBRA for a maximum of 36 months and it's on a self pay basis. Now the only thing with COBRA the rates can be very expensive. I work in the COBRA dept. and effective 1/1/09 the rate for full coverage is $404/mo. for single coverage (that's for my company; each company's rates are different). Now yes that is expensive to most but it still comes out way cheaper if you are one to actually utilize the benefits. Full coverage through my insurance also means no co-pays or deductibles. You have no out of pocket costs. Now if the COBRA is something that she does, once she has the baby she CAN opt to have the baby added on and pay the difference because she will now go from paying a single rate to paying for dual coverage. A lot of my members state that COBRA is not something they can afford and I ALWAYS recommend that they seek out some state mandated programs like Medicaid, Family Health Plus or Child Health Plus. She should definitely qualify because although she still lives with her parents, she is a dependent of herself. The baby will definitely qualify for child health plus. I have many members who are on COBRA for themselves and spouses and have their dependents on child health plus. She has a few different options. If you have any other questions, feel free to fm me.
Posted by jennandrolo
Posted by RitasEngaged
she will have none unless she gets a full time job or she can inquire to see if her parents have some kind of cobra plan but that is really expensive.
Is she under 18 because if she is she would have insurance. After 18 you need to be in school full time.
she'll be turning 18 a few weeks before her due date which is the concern. she will be covered until the end of that month though.
