Can I get Health Insurance for my baby? If so, where and when should I get it? How much will it cost a month?

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Melanie - posted on 06/25/2009

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Depending on your financial situation, you can get state funded health insurance. I live in NH & my kids are on HealthyKids. There are different tiers depending on your income, so it ranges from free to low cost (like $25/month per child). You should look into your local state offices for information.

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Georgina - posted on 11/12/2012

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Sure you can get insurance for your baby. What I did was to inform my insurance provider, http://www.nib.com.au, that I was expecting my first baby. I think he was included in our family cover after he was born if I remember correctly. Doesn't cost that much actually. Besides, who can put a value on one's health, right? Better to arm ourselves with insurance just to be on the safe side.

Annie - posted on 10/06/2012

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Here is the crazy thing. If you make under 57k in California then you can pay $8/mo for the King of plans at Kaiser. You'll pay $5 for any copay and $0 for hospitalization, etc. The hitch?



Well that affordable rate is balanced by the increase in rate plans (its a fact, not an assumption, you can google this) for those that make 58k and over. To add an infant to my plan which is $300/mo, my infant's rate alone will be $522/mo . Just my kid's plan alone is 10% of our family's income as we are right above their limit.



Gov't interference is insane as I do not need labor/delivery or mental health insurance added to my infant's plan!!! What's the point in having a job, when literally 20% of our income goes to insurance? Sorry to vent here, but this has to be fixed and Obama needs to get his sticky hands out of insurance.

Kristi - posted on 06/25/2009

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My kids are on my husband's plan with me but when my first daughter was born and I quit working to stay home with her, she and i had to have our own plan because at the time, my husband's insurance that was offered through his work wasn't that good and cost way too much to be put onto his plan. We went with Kaiser for my daughter and I and I can't remember how much it cost but it was under $200.

User - posted on 06/24/2009

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Chances are you will not be able to put your baby on your dad's insurance unless he were the baby's primary caregiver. (In other words, if he adopted your LO, he could be on the insurance, but probably not otherwise.) Another option would be to look at student insurance through your school. If you got a student policy, you could likely add your LO as your dependent. You would want to check, but I think you should still be able to remain on your dad's insurance as well (you'd just be covered by 2 policies).

Kirsten - posted on 06/24/2009

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I am going to Texas Tech and working at Allstate insurance part time and live with fiance. I am still on my fathers insurance until I turn 25.

Kirsten - posted on 06/24/2009

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Thank yall for yalls help. What if I am still on my dads health insurance? I dont think they will put my baby on his insurance because it is through the city. Will I need to get insurance another way?

Monica - posted on 06/24/2009

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What state do you live in? I know the state of Florida has A Florida Kids program. Most Pediatricians have information that they can give you and they also have a special Fee schedule (it is much cheaper) and they can write off a certain amount of Childrens Office Visits per year. Contact your local State offices for this information. It is different for each state. Most physicians and hospitals can discount care given to a child. If yu tell me what state you live in, I can research it and get you a few answers! Okay? Thanks. Otherwise if you don't make enough money you may be eligible for WIC Woman and CHildren govt program which makes food stamps available for cheese and milk. IF you meet... Eligibility requirements . You can also apply for Medicaid for children. If you make under a certain amount of money. Otherwise. If you make too much money then you might have to purchase your own insurance which can be expensive. Especially if you own your own business and or are self employed.

Crystal - posted on 06/24/2009

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yes you can....if you have health insurance or the babies father has it they will cover them but you have to get them added within the first 30 days of life. call the insurance co. to see what the process is sometimes you have to do it through the employer some you can take care of yourself. if neither of you have insurance you should be able to get it through the state. it would be through your county welfare office. you can't get it before the baby is born for obvious reasons, but most are free or little cost. it all depends on where your from. good luck.

Rochelle - posted on 06/24/2009

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We have health insurance for our baby, we just put him onto our own existing program at no extra cost, if you dont have it yourself and you plan on getting it your baby is usually included in your plan. We got our baby put on to ours straight away, you never know what you will need it for!

Jessica - posted on 06/24/2009

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I don't know where you live but I got insurance for just my son through kaiser permanente and it's $200/month, which is less than if I added him on my policy through work. There's no co-pay for wellness checkups until they're 2 yrs old, and the other visit co-pay is just $25 and I haven't had to pay for his prescriptions.

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