Wednesday, October 20, 2010

Does anyone use CHIP health insurance for their child

Does anyone use CHIP health insurance for their child?
I will be taking a new job with a small company that does not provide insurance, so we'll be buying our own. The only problem with this is that my 2 year old son was recently diagnosed with epilepsy, so nobody will cover him (or it costs a TON.) So we're considering putting him on CHIP, which is PA's state health insurance program. Anyone else use this? I'm very curious about the waiting period before he would be covered.
Insurance - 2 Answers

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1 :
not sure of the waiting period, but my husbands secretary uses this for her 3 children and she has separate insurance since my husband cannot afford to provide her with insurance. he is also uninsurable and has to get special policy of his own pending reaching medicare next year. another reason we need to get health reform so that all, not just the select few can get health insurance. only in the usa is health insurance a privilege not a right. good luck
2 :
My kids were on this while I was in school. It is income based. Most of the waiting time is due to the income verification. However these are state programs and so every state is different. As to the need for healthcare reform mentioned above. Most of the uninsured in the US are people who could afford to get coverage, but don't due to lifestyle choices. Make those people show proof of insurance before they can get a home or car loan or buy a big screen tv, and you would see a huge drop in uninsured rates. There are programs that provide care for the impovershed.

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