How to apply for cheap health insurance in California?? (plz read)?
Ok here is my scenario,
I have a friend (only a friend not lover etc?.)?.she has a 7 year old kid, who is very ill and in the hospital, her hospital bills keep stacking up and as a single mother who only works part time she could not afford health insurance?. me being a good friend i would like to help her out apply for healthy families mediCal or anything like that for free, plus add additional insurance to keep her costs down?.anyone suggest any plans or prices that would work good in my scenario, also my job offers health insurance for me and my family (im single) would they offer health insurance to my friends kid if i put them as beneficary or would that not work out???? (please help much gladly give 11 points to best helpful answer) kid is very ill almost like l USA emia so asap is apprieated?. thanks Jeff
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Cheap health insurance is called Welfare health insurance ? Medi-Cal. You?d go to your state medicaid website to get the instructions on how to apply for it.
She?s not going to be able to find a ?stand alone? child policy, since the Health Reform Act passed, and even if she could, now that the child is already sick, it?s too late to buy private insurance to cover her.
You cannot add any child who is not legally yours or your wife?s, to your health insurance. You can only add a child or a stepchild, and you?d have to prove that they are your child or a step child. So that?s not going to work, unless you marry your friend.
Generally, no, you?re not allowed to add a child to your health insurance plan if the child is not your own, or a step-child, or legally adopted by you. That said, check with your employer anyway. If you work for a big company that?s ?self-insured? there may be a slim chance that they would allow you to add someone as a dependent who doesn?t fit precisely into any of those categories. A very, very slim chance, mind you. But it?s worth asking.
If your friend?s child doesn?t qualify for coverage under any employer-based health insurance plans, there are a couple other options.
First, your friend may be able to purchase an individual health insurance plan for her daughter. Now, the challenge here is that there are specific open enrollment periods in California for child-only coverage. Some insurers offer child-only coverage outside of those enrollment periods, but she may be required to pay substantially higher monthly premiums due to her pre-existing medical condition. We recently blogged about California child-only enrollment periods here:
blog.ehealthinsurance.com/2011/01?
Unfortunately, the initial open enrollment period for child-only coverage in CA expired at the beginning of March. However, California also allows a child?s birth month to serve as an open enrollment period. If she?ll be celebrating a birthday this month or next, it may be worth checking into her options. Encourage your friend to work with a licensed agent, online or off, to find out what?s available and what makes the most sense. It doesn?t cost anything extra to work through an agent and it can be a big help. Your friend may also want to explore the option of purchasing a family plan to cover both herself and her daughter.
For more information on CA rules for child-only coverage, check out the Insurance Commissioner?s website and statement here:
www.insurance.ca.gov/0400-news/01?
Now if your friend really can?t afford coverage on her own there are other options available in California, such as those you mentioned. To explore those options more thoroughly, bookmark or print out this cheat-sheet from the non-profit Foundation for Health Coverage Education:
www.coverageforall.org/pdf/matrix?
It provides a run-down of the government-sponsored coverage options available in the state, along with contact information for each agency, etc.
Best of luck to you all.
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They do not offer health insurance to anyone because you put them as a ?beneficiary?. They offer it to you, and they may offer to your spouse (probably), your own children (probably, if they meet the age requirements), or your registered domestic partner (possibly). They will not offer it to any other type of beneficiary, even ones who are your legal dependents for tax purposes.
To apply for Medi-Cal, she has to go, herself, not you, to the county Department of Social Services office, get a caseworker, fill out an application, etc.
Adding additional insurance will not keep her costs down and may make them go up. If she can get Medi-Cal, then her costs will be lowest if she gets only Medi-Cal and no other insurance. If she gets other insurance, that may cause her to lose Medi-Cal, leaving her with only the other insurance.
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