How can i put my mother on my health insurance
Category: health insurance
Questions and Answers
I work at Brookshires and I wanted to know if I can put my mother in my health insurance plan?
Well my cuestion is if I can use my work insurance plan to cover my mother. I am not married yet, so I am paying just for my self. she is not ill, it's just in case she needs it. Thanks.
I'd be extremely surprised if your mother would qualify as a dependent on your health insurance policy through your employer. You can ask, of course, but don't be surprised if the answer is no.
Generally, the only people who might qualify as a dependent on an insurance policy would be a spouse, child, or stepchild. Some groups may allow you to add domestic partners and children you have legal guardianship of. Those are the basics though - any other relationship would be a rare exception.
How can my mother-in-law become our dependent and get put on our health insurance?
Is there any way that my mother-in-law can quit working right now and move in with us and become our dependent and therefore be put on our health insurance, etc...She currently has I think between 6 months to 1.5 years left before she can retire, but she makes only $18k/year, so she might as well not be working. She has tremendous arthritis and really shouldn't be working. She works "part-time", but is made to work full time hours. Go figure. Anyone know the answer to this?
It really depends on the policies of your health insurer if you could add a parent, so you should call them. She should consider looking into getting disability from the social security office (1-800-772-1213). Also, if she has little money, she may also qualify for Medicaid.
Can I put my mother-in-law on my health insurance?
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Is it possible to put my mom on my health insurance?
Are there any jobs out there in which I can have a parent covered on my health insurance or is it only covered for your own children? What type of insurance (if any) would cover for that type of situation. Serious answers please--this is to help my sick mother.
Yes, it is very possible;
but whether you would save lots of money is up to your talent:
* contact your company's Human Resources and ask for assistance first (under which clause, you can do so etc.)
* contact your health insurance company and negotiate for a better policy for her. It could be that adding her into your policy WITH MUCH HIGHER DEDUCTIBLE in hospitalization + ER (= for cheaper premium)
Do shop around and compare: buying her a stand alone policy with similar benefit mentioned above (up to her health condition: if she needs prescription, then try to minimize this out of pocket expenses etc.).
For your mother who is being ill; it is best to negotiate for:
* reasonable co-pay per doctor visit (= pay nothing or about $20)
* reasonable prescription charge (= pay $5 per prescription per 30 day supplies max; or else ask the doctor to write prescription in such a way Wal-Mart can fill for $4 to $8 / month max)
* high deductible to hospitalization (say $1,000 per incident co-pay; insurance pay the rest)
* $200 per ER visit co-pay.
Work backwards: ask the physician, the hospital your mother uses for what insurance company is best for her;
then deal it with your current Health Insurance company.
SHOP SHOP NEGOTIATE NEGOTIATE
but must do it very fast, before the real needs arise.
Why was my health insurance terminated when I am 20 and fulltime college student?
I am a dependant on my mother's health insurance from her employer. Recently I was sent a mail requesting a proof of enrollment to show that I am indeed a full-time student. I put in a proof of enrollment that I am taking the 12 units in college, plus I also sent a copy of my schedule for this semester.
Today I get a letter saying that my insurance has been terminated and I am no longer eligible because of my age.
I thought full time students who are 21 and under can still be placed as a dependant? Is there a chance they just didnt receive my mail? If thats so, then why didnt they state that they didnt receive the required proof of enrollment instead of terminating me for my age?
I want to call them but they are closed for the weekend, so any advice from you guys so I know what I am saying when im on the phone with them would be helpful.
It doesn't matter what your grades are - just that you are enrolled for full time status.
I can see 2 scenarios happening here -
1) They just didn't get the info. When you sent it in, did you include something referencing you as a dependent on your mom's policy? If the document only had your name on it, they may not have been able to identify what policy it went with and thus weren't able to process it correctly. (Note to everyone - include the policy ID number and the name of the insured individual on ANY documents you send to your insurance company. It will be extremely helpful in making sure your document is processed correctly.)
2) Is the school you're attending accredited? Sometimes there's a clause that you have to be attending an accredited university, so if a person were attending a technical school, beauty school, etc. full time it wouldn't count.
I suspect in your case that #1 occurred, and you should be able to get this resolved on Monday.
Also, you can make the call yourself - anyone on a medical policy can make calls and discuss their own information, it doesn't only have to be the cardholder. (Sure, if you had never been on the policy at all, your mom would have to make the call. But you can call to discuss your own personal information, which includes full time student documentation.)
Health Insurance for my mother in law(senior person)?
I need your help regarding the insurance coverage. Here is my story?
My mother in law works at a grocery retailer and gets medical insurance coverage from the employer. She wants to quit because the job is physically challenging and she wants to take care of our baby. She is 62. But we are worried because we don't know where she will get medical insurance?
1. My insurance comes from the employer. Can I put her under my insurance plan?
2. Is there any special(affordable) type of insurance plan we can purchase?
I believe this is a very common situation. If you are in the same situation, please help.
1. You cannot add your parent to your health insurance plan. 2. You can buy a private medical policy, through an independent agent. IF your mother is in excellent health, and has nothing wrong with her, at her age it will likely cost $600 - $700 a month - not MY definition of affordable.
I think she'll likely have to keep working where she is, for the insurance, until she's old enough for medicare.
Can I, or should I put my 19 y/o, 7 month pregnant daughter back on our health insurance if she has medi-cal?
I have 3 adult children, 2 in college and working part time, and 1 not. We have the 2 college students on our health insurance, but not our other daughter. She had one child before with our insurance, after emancipating herself and, getting on welfare. We are still getting collection notices for her unpaid office co-pays. She is not a good mother (I have him 95% of the time), and is too selfish to put the babies up for adoption. We are very upset that she is having another baby. After losing her near free housing, she has moved back in with us, and still receives about $500.00 a month in cash aid. Of course, she pays no rent, food, or utilities, and uses the cash to pay for collect calls from the baby's father in jail. She is insisting we put her on our insurance, or she will tell our new grandchild, and anyone else who will listen that we let the baby be born at the welfare hospital because she is half black. I will admit, that hospital has a poor record of care, and high incident rate. As usual, she will raise the stakes until she gets what she wants. Since we cover her utilities, rent, and food, are we providing more the 50% of her support as required by our insurance company?
That's a tough call. You hate to see the baby suffer due to her mother's poor choices, but at the same time, your daughter has to grow up and be the mother...not expect you to continue mothering her and carrying her financially.
From your question and statements, it seems you have gone well above and beyond the call of duty as a mother and grandmother. I would venture to say no to the insurance. She is fortunate that there is a hospital in your area that will assist her at low cost, you know. Many, many healthy babies are born there every year, I'm sure.
YOU are not the one letting the baby be born in the welfare hospital...she is responsible, not you.
I have learned through raising my boys in a drug polluted world that sometimes NOT giving them what they want is a blessing. (in regards to her raising the stakes until she gets what she wants) Imagine if you were unable to provide a roof over her head...where would she be? I hope she comes around and is thankful for what you do give her instead of her insisting on more.
Good luck...the best advice I can really give is to follow your intuition on this one...you know much more of the situation than you could ever express on Y!A. You're in a tough situation and sometimes the best decision is not always the easiest. xoxoxox
What health insurance company is best for a child?
I am looking for a good and reasonably priced health insurance provider for my 9 year old son. Insurance through my work is outrageous so I'm looking for an outside provider. His mother is suppose to have already put him on CHIP with the state of TX (by court order) but she refuses to do so for some reason. I hate the idea of him being without health insurance. Anyone had any good experiences with certain companies? Any suggestions or feedback would be greatly appreciated.
State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs. Here's a few tips:
1. Try to figure out "how much" health care he generally uses. Don't buy a really dynamite plan with a lot of bells & whistles if he's unlikely to use most of them. Remember, the point of "insurance" is to handle expensive items; coverage for the more "routine" stuff is really just "health care financing."
2. Even if you buy a plan with a higher deductible (like $2,500 - 5,000), you'll still probably get those things people use mainly, like doctor and generic drug copays, etc.
3. Find a broker near you who specializes in health insurance specifically. Visit NAHU.org (see below), which is the professional association of brokers (like me) who specialize in individual & employer health insurance.
4. Alternatively (and if you're fairly confident of your expertise in this area) you can run your own quotes for him. Check out this site to find the best health insurance just in one minute,
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.