Coverage for Young Families
The Maryland Children’s Health Insurance Program will provide health insurance benefits for pregnant women of any age that fall within certain income requirements. The family income must be at or below 250% of the federal poverty level. The children may also be eligible for coverage under this program if their income is below 200% of the federal poverty level. Or, if there is even lower income, the entire family may be eligible for Medicaid. If they have income too high to qualify for this program, they may have no choice other than your church’s health insurance coverage. The 2 children, if they are healthy, can be insured on separate individual health plans. Do they currently have health insurance? You did not mention this in your inquiry. 3 CommentsLeave a comment |
|
Our church has just hired a new Director for Youth. Our church health insurance coverage for a family is high and unaffordable for him. He has 2 small children and his wife is 3 months pregnant. Do you offer coverage for a young family like this?
We don’t offer any insurance directly through our company. We are a health insurance directory and consumer resource site. But, we can address your inquiry and point you in the right direction. Neither the mother nor father will be eligible for a standard individual health plan in Maryland. The mother will be declined because she is currently pregnant, and the father will be declined because he is an expectant father. Expectant fathers are not eligible because the insurance company of the father, under state and federal law, would be required to insure the newborn child on the father’s health plan, regardless of the health of that child.
Yes, they still have the health insurance from their previous church, but they need to pay for the premium. It is even more expensive for them than our church health plan, so they need to find something cheaper.
Comment by Martha — October 26, 2006 @ 2:50 pm
It sounds like they accepted the COBRA coverage from their prior group health plan, which is smart, since the wife is pregnant. The last thing they would want is a lapse in coverage. However, the fact that they are currently insured may pose a problem if they want to apply for Maryland CHIP. One of the qualifications for this program is that applicants be uninsured. There are exceptions to this rule that may apply to them. They should still contact Maryland CHIP for more information. The husband can remain on COBRA, even if all of the other family members transfer to another health plan. Or, he can elect to move to your group plan if it is cheaper. He must accept coverage in your group plan during his eligibility period, or he may need to wait until your next open enrollment if he wants to switch later
Comment by Site Advisor — October 26, 2006 @ 2:56 pm
Can you recommend some health insurance for me and my family? We are a family of four, both us parents in our 30’s, don’t smoke and don’t drink much. Our two sons are 5 and 7 years old and are healthy, thank god, and active. We don’t have much room in our budget at the moment, so we need some kind of assistance for our health insurance, yet me we are not low income enough apparently to qualify for the government sponsored medical insurance plans. What kind of medical insurance plans would be the best for us? How are HSA’s for lower income families such as ours? I have heard that they are not really that useful for us as the tax deductible gets less the lower your tax bracket is? How would that compare to paying more for insurance to get a lower deductible? Please also consider that we have to young children and would like to take them to the doctor regularly without paying the full fee.
Comment by Amber — May 31, 2009 @ 11:22 am