Insurance

[Linzola1]

What am I suppose to do if my insurance expires through work because I am now on bedrest and my husband makes too much for us to get medicade. I live in Missouri any thoughts?

[Shannon125]

I just found this site where you can get online quotes on policies.

http://www.ehealthinsurance.com/

Hope this helps

[Shannon125]

You can also purchase policies through outside insurance carriers. In Massachusetts it just went into effect that every resident HAS to have health insurance or you lose your tax exemption. Fortunately I have very good insurance at my job as does my husband but if we didn't, we would have to go the other route. I have seen some companies adverstising as little as 150 a month to get a tailor made policy to suit your needs. I would search the internet and look into it to see what you can find. Also, is there any way you could be added to your husband's insurance or does his job not offer it? I am sure if you call the department of social sevices someone can point you in the right direction. Your best bet would be to see if you could buy a policy outright like I mentioned before.

[loismwallace]

My company is changing insurance plans. Something I learned from our insurance agent is that if you currently have health ins. MOST ins companies will pick you up if you choose to go with them. We were worried about not being able to switch because of pre-existing conditions, but she said we don't have to worry about that.

[loismwallace]

Medicaid allows for a VERY high income bracket. My husband makes $17 an hr and I make $9.50. I've already paid a huge portion of my deductible through my employers insurance and Medicaid is picking up the rest.

You might want to talk to the Dr and see if he offers a payment plan.

[anxious2]

the FMLA should apply

[carissarae]

department of social and health services, its a state office..where do you live at? maybe its called something different there..

[Linzola1]

what does dshs stand for?

[ftogirl]

I think they have to offer you COBRA to continue the plan you have but that can get pretty expensive because you make the entire premium by yourself since your employer no longer pays a share of it.  At least, that's how it usually works.  You can look into getting an individual policy but make sure you check all the fine print, exclusions, limitations, etc.  While they are not allowed by HIPAA laws to exclude pregnancy due to it being pre-existing, there are policies that just plain will not cover maternity at all.

[carissarae]

do you have a locol dshs office you can look into and see if you can get on that? or is that what you already tried?