Wednesday, April 28, 2010

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be?
My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?
Insurance - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I'm sorry that answers so far appear to be spam. An insurance company will require a SSN. I don't know if your friend has a SSN. Without a SSN, your friend will not be able to obtain quotes from any company that I am aware of. I am assuming he is employed with a green card, so he should first ask the HR department of his company regarding health insurance options. If his employer offers no health benefits, AND he has a SSN, then he can shop for personal health insurance. Whether or not the plan is "affordable" depends on the types of coverages he is looking for. A high deductible plan will always be more affordable in terms of premiums, but he will end up paying more out-of-pocket on expenses. If his wages are low, his child might qualify for the NY SCHIPS program, which is state government health insurance specific for children.
2 :
He's not going to be able to do this. Private health insurers in NY aren't going to give you a policy on a new baby. That first year, IF nothing goes wrong, costs thousands and thousands of dollars, in all those well baby checkups and innoculations. But, let's pretend he's 30 and perfectly healthy. A family plan, would cost about $1200 a month, for a low/no deductible plan. Or private coverage for him, would cost around $300 a month, or theoretically, private coverage for a healthy 2 year old, would cost around $200 a month, assuming a good, low/no deductible plan. So, when you say affordable, you're probably not talking about $500 a month - which is what it would cost for a low/no deductible plan. He should sit down with a local agent, who can explain how it works, and show him how to balance deductibles with premiums, to get something that's a happy compromise.
3 :
I would encourage you to visit this great website: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands on my health needs. From Medical, Rx, Vision, Dental..etc. Even my braces had coverage. They even had my very affordable benefits active in 2 hours and was able to use them the very same day. Hope this helps and good luck
4 :
It is a Common situation many people have met,calm down,and check the resource i found useful.http://www.healthinsurance-onlinetips.info/health-insurance-for-free.htm
5 :
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6 :
The SmartSuite programme is one programme which is offered to employers and covers employees where they need it and it helps the employee maintain their costs to a reasonable level. Also offered by this agency is a high deductible Health Care plan which offers a no copayment service.
7 :
cheap affordable insurance: http://megawatisoekarnoputri.cn/health-insurance.html
8 :
Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.

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Saturday, April 24, 2010

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be

Tuesday, April 20, 2010

Can a health insurance company make a reimbursement check out to your under age child

Can a health insurance company make a reimbursement check out to your under age child?
Aetna sent me a reimbursement check made out in the name of my six-year-old child. Is that a Federal law? How can they make a check out to an under aged child that is on my policy?
Insurance - 2 Answers
Random Answers, Critics, Comments, Opinions :
1 :
doesnt matter, they are your minor child, you can sign their name and deposit it.
2 :
I'm sure there's been an error on the part of the insurance company. Checks should only be made payable to the insured (you) or your authorized providers. If I were you, I'd call the insurance company and find out what's going on. Don't cash the check without first talking to them.

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Friday, April 16, 2010

How good is health insurance in America when a woman has a child? Is this a reason for so many abortions

How good is health insurance in America when a woman has a child? Is this a reason for so many abortions?
In America a Black woman is 3 times more likely to have an abortion than a white woman whilst a hispanic woman is 2 and a half more times likely to have one. Obviously because these two groups of people are poorer they have more abortions. How good does health insurance cover newborn babies?
Law & Ethics - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I'm going to disagree with your statement of reasons.... and leave it at that
2 :
Where do you get your facts from? Poor women generally don't have access to birth control or abortion services in the manner that more well-to-do women do. A well-to-do woman is much more likely to be able to afford an abortion as theraputic abortions are never covered by state medical care and rarely are covered by insurance. Simply assuming that economics is the sole reason for an allegedly disproportionate abortion rate is potentially faulty logic. Considerable added research would be needed to establish the cause & effect relationship. When insurance coverage is available to the woman, care is generally very good.
3 :
America has a program called Medicaid that is available to all pregnant women that are lower income. Medicaid is covers 100% of all medical bills and medication for approved physicians and hospitals. Then medicaid will cover the newborn until it is 18 years old. The medicaid coverage will pay for 100% of all medicine and medical bills. The downside of Medicaid is that it is only available to extremly lower income women and the coverage will only apply to approved (less desirable) physicians. I don't believe that the insurance situation is the reason for african american abortion rates. America is a very interesting place to examine the difference in present day cultures. Morals are at an all time low in our country, and black communities are being primarily driven on dreams of drugs, sports, or music. And, just to be clear, I am a pro-choice, hip-hop loving, female.
4 :
Women who are having abortions are not taking the proper birth control precautions and end up getting pregnant. I don't believe it is about the persons economic status because I believe the government or even the health clinics in these areas will give these people free condoms and/or birth control pills. Its the fact that these people choose not to use it that is causing the problem. I think this problem has to do with the fact that in most white families the father and mother (regardless if divorced or not) are still present in their children's lives and they discuss birth control with their children so they are less likely to get pregnant in the 1st place. If my daughter asks her mother or I about this, she will know 1st hand that pregnancies are avoidable and cheaper and less painful than an abortion. I am not sure if this happens in the African American or Latin American families. Health insurance has nothing to do with this topic.
5 :
No, the truth about how bad abortion is for a woman's body is not being told. Selfishness is another reason we have so many abortions. Selfishness from parents and women who would rather kill a child than raise one or give it up for adoption to one of the millions of couples trying to adopt. Giving a baby up is hard so killing it is easier???????? Young women instead of being told not to sleep around before you can handle the consequences physically and financially are being told it's o.k. you can always have an abortion if you get pregnant. My heart goes out to the young girl that made the mistake of getting pregnant and then had her parents or someone she loves talk her into such a terrible mind scarring, body mutilating act. It's really not about the money that's just another lie that has been put out there, it all goers back to consequences for actions. Don't you think it's time America to start teaching our children about consequences and prevention!!!!!!!

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Monday, April 12, 2010

when a social worker says the child is in good general health. what do they mean

when a social worker says the child is in good general health. what do they mean?
Do they mean they are in perfact health or is ther something wrong with them?by useing the word general.
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
there is nothing wrong with them. get it:GOOD GENERAL HEALTH"? COME ON, ITS SIMPLE.
2 :
I'd assume they were okay physically. Is there any reason they shouldn't be okay mentally?
3 :
THAT MEANS THAT THEY ARE NORMAL AND NOTHING IS WRONG WITH THEM
4 :
Its an over all term meaning that the child is ok by the standards set by state and federal guidelines. It doenst mean any thing bad just that they are basically fine as far as that level of research discovered. The child is in good health...

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Thursday, April 8, 2010

Health Insurance for our Canadian child in NY

Health Insurance for our Canadian child in NY?
I am wondering where do I find health insurance in Buffalo,NY for our son? He was born in Canada, daddy is American is a NY state resident and we are visitors here but in need of short term health insurance, any suggestions of where to turn, OTHER than calling all the agencies in the phone book. Daddy doesn't have insurance. The problem is our child is not a resident of the USA.
Insurance - 1 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You can get a traveler's insurance but it's expensive. Usually you only get a policy if you will be in a foreign country for a minimum of 6 months. I don't recommend them. If your son's father has insurance, he can add him to his policy for the short period of time.

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Sunday, April 4, 2010

Can someone with a Mental Health problem foster a Child

Can someone with a Mental Health problem foster a Child?
Yes it would be discrimination it's like saying can a black person foster etc. I am closly souperviser (I am Bipolar) on the right medications and see my theropist every week! I have worked with children for the most part of my life! I also have a clean slate with the police!
Mental Health - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
i would not think so.
2 :
I don't think so but it also may depend on what the mental problem is.
3 :
Maybe? Can not say yes nor no. Because that could be discrimination. So I would say as long as they are fully medicated and seeing a doctor for checkups. I would say why not? But that's my own opinion.
4 :
I'm schizophrenic but I'm very careful on my meds and kids love me.My neices and I throw big partys with water fights and pinatas and we have great fun. The come to me about problems,We talk about their hairstyles freinds and I take them shopping I would love a kid but I think it would be considered a roadblock. I hope you find out.Id like to know.
5 :
Child Protective Services (or its equivalent) does what is called a home study of potential foster or adoptive parents. It's just what it sounds like - they visit you at home and interview you. Sometimes, depending on the circumstances, law guardians (court appointed attorneys whose purpose is to look out for the best interests of the child) get involved. Bottom line, If you "pass" the home study, then you can foster or adopt.
6 :
I suppose it would depend on the severity of the illness and whether or not it was being properly treated. Evaluations would be done not only on the potential foster parent but the foster home, environment, etc... In all cases, the safety and wellness of the children comes first and those factors must be determined based on a case by case basis. I personally believe there are many adults living with "disorders" that would make exceptional parents.
7 :
Yes. A friend of mine has bipolar disorder and she was a foster mother once. A criminal record is another matter.
8 :
To answer your question. I am bipolar to and I have four kids. I had to give them to my family for a short time due to I had to get my mental health in order. Once that was done I went to get my kids back. I had to go to court to do it and I was honest about the whole story. I too have a clean record. In the end the judge ruled in favor of my family due to the fact he felt the children would be better off financially. Come to fine it was moreless based on the fact my parents were NOT mentally ill. The point once you have been LABELED it is hard to get that off your record. You may be the sweetest person, kind hearted and go to church every Sunday with a great paying job, but once the state finds out you have a mental back ground they 9 out of 10 will not favor you being a foster parent. I looked into it about a year ago. I am sorry to say this. I hope this helps.

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Thursday, April 1, 2010

What are reasons that Child Pertective Servies could take your child, I am worried for my sisters baby health

What are reasons that Child Pertective Servies could take your child, I am worried for my sisters baby health?
My sister has a 5 month old baby boy. She leaves him with random people, mainly guys to go party and get drunk. She doesn't work and muches of people to get by. She takes advantage of the government for food stamps b/c she refuses to work. Can CPS take her baby? There is a possiblity of drug abuse that she is doing and others she brings around her small child.
Newborn & Baby - 18 Answers
Random Answers, Critics, Comments, Opinions :
1 :
yes they can take her baby away for that. somebody needs to call and tell them what is going on and your sister will have the option of the baby going to family or foster care until she can get her act together... just call
2 :
Neglect is the main reason. It covers things as leaving them alone, not watching them properly, using drugs in their presence, etc... Another reason is abuse. If you are worried you can call CPS annonymously. In fact, if you really fear for the child's safety, it's the law to call them.
3 :
Neglect, abandonment, endangerment, any of these could be reason for having the child taken away. If you can prove drug abuse, they will take custody of the child.
4 :
You need to call authorities right away that is more than enough grounds to take her baby away. Please do the right thing and call immediately.
5 :
Yes, CPS can take her but it would be best if a family member would stand up and take custody before that happens. A none working single mother can lose her child due to "being an unfit parent". Not to mention the partying and leaving the child with just anyone. I am in the same situation with my 19 year old daughter and am close to taking custody myself.
6 :
Yes, CPS can take her baby. She is being irresponsible and should give the baby up for adoption before he is harmed by her carelessness. Best of Luck
7 :
If there are drugs involved then there is a big chance CPS can take the baby but they can't take it for just the partying and leaving the baby with others. The only thing that can be done is call CPS and have them investigate.
8 :
poor child...please call them...
9 :
You should anonymously call cps on her and they can check it out.Or offer to take the baby from her.
10 :
YESSS CALLL ASAP!! its called child neglect it is you obligation as a human being if the child is in harms way that is neglect you dont want it to get to abuse please call i see children all the time who are being neglected its better to get them out of it as soon as possible.
11 :
Be careful what you wish for! That's an old saying, but it definately rings true in some instances where a concerned family member calls CPS about their beloved baby relative. Sometimes, unfortunately, what starts out as trying to make the baby safe ends up backfiring. CPS has placed children in the hands of foster parents that turn out to abuse the child, worse than whatever treatment it was getting at the parents home. Once placed into the foster system, it is difficult to get back out. My advice, offer to your sister to take the baby for a while... a couple weeks or months until she gets cleaned up and sober...
12 :
If someone calls up on her, they will investigate. They will take a drug test and if positive, theres a good chance the baby will be taken away temporarily until things are up to standard.
13 :
if her son shows outward signs of neglect then yes. if u have witnessed this behavior from her then yes. if she told u of this behavior then yes. call them and let them know that family members would be willing to take over guardianship of the baby. i just lost a friend who was doing basically what ur describing, her baby was only 5 wks old. i really feel for ur family having to watch this, but u r Not helpless to just watching. get involved now!
14 :
It is possible that they could take the baby but it is REALLY hard to get a parent to lose custudy.. right now, it is your word against your sisters.. And even if they did see something wrong, they wouldn't jump right to taking away the baby... you see all the news stories about babies ending up dead? Yeah, because if social services jumps right in and takes the baby out of the home and there is nothing wrong, they're subjecting themselves to many lawsuits... Still, I recommend calling and informing them of this but be prepared for a long battle of trying to get the kid away from your sister - my family has been trying for TWO YEARS to get my neice away from her mother who has done things like..oh.. let her boyfriend molest my neice and her older sister... and that was proven, but since the guys in jail, they don't see any reason why her mother should not get to see her at least part time.. The system is ridiculous.
15 :
Now that you know how your nephew is being treated and know of the enviornment in which he is being subjected to it is "your duty" to call CPS and ask them to investigate the situation. You are "his Auntie" and "he needs you" to be sure he is safe and secure. Just be sure to consult CPS before doing anything (unless you witness propable harm---then take him to a safe enviornment right away!) so that all will work out best for yor nephew. By doing this you might even be helping your sister become a responsible parent as well as an eventual responsible citizen. I can remember a similar situation when I was a teenager. A young girl that my mother had helped raise from time to time began doing hard drugs and my mother got word that the young girl and her friends where making the baby drink beer and take hits of marijuana for their entertainment. So my mother went and got the baby, saying that she just wanted to babysit for the day and as soon as the young girl and her friends left the apartment we went in and gathered the babies things and took her home with us and kept her until she could be placed safely with a family member of the young girl. My feeling is that whenever one is aware of abuse and/or neglect of a child they must step in and do what is best for that child---even if it means calling CPS and having the child placed with a responsible adult or in a "safe house" while the investigation is being conducted. Please be sure your nephew is safe and secure. He will forever love you and respect you for having the strength and courage to step in at a time in his life when he was too little to do anything to help his self. I wish I could do more---thank you for soliciting for advice and direction toward assuring your nephew to have a better chance at having a happy, positive successful childhood. Love you for what you are doing---Tillie
16 :
I can not understand at all how one could behave that way after having a child. I myself was told I could never have kids. I used to enjoy the night life, and drinking and smoking. The second I found out that I was pregnant it all stopped. Well now smoking resumed, but rarely and only when I am no where near my son. I would sit her down have a serious talk with her, if nothing changes call CPS. I know it can be hard since it is a family member. I have been there. It made my family member straighten up when I did call. Good luck in this hard situation.
17 :
babies need love and almost constant attention; if u feel like he is in danger or being neglected, again REPORT IT NOW, and you can do it anonymously....
18 :
Random strangers sexually abuse babies. Or throw them across the room to make them stop crying, Or give them drugs or alcohol to make them go to sleep. This childs LIFE is in danger! Call CPS or the police before it's too late.

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