Tuesday, February 28, 2012


Daughter over 18, still using child support health insurance card-what do we do?
My husband had to pay for health insurance for his daughter as part of his court ordered child support. The child turned 18 two years ago and my husband cancelled the insurance coverage. His daughter has still been using the cancelled health insurance card for the past 2 years. She is not in college/school. My husband just found out that she has been using his name as "the responsible bill-paying party" when she would go to different docs. He now has alot of her current med bills on his credit report. What can we do about this? To Jordan M: My husband & I have never seen the insurance card, we just paid for the coverage & the card was mailed to her and her Mom. The daughter accidently mentioned last week while on the phone with her Dad that she had taken the card to her doc appointment last month. To Lucy: Medical bills do appear on your credit report once the medical care provider submits them to a collection agency. I have the credit report with the medical bills on it right here on my desk as I type this. 
Marriage & Divorce - 18 Answers






Random Answers, Critics, Comments, Opinions :
1 :
Sue her in small claims court.... Sounds like she doesn't respect him very much.
2 :
sue her
3 :
She is over 18 so he can probably press charges (although I doubt he would do that). The only other thing is to sit down with her and make her understand that she is responsible for her medical bills. She is an adult and is not in school so she needs to handle this on her own.
4 :
How could the card be used when it was canceled? The providers CHECK the VALIDITY of the card when it is presented. Plus insurance cards have expiration dates at year's end. Is there something else to this story?
5 :
You contact the insurance company and they will sue the daughter for the money. In fact, they may even lodge a complaint and levy fraud charges through the state. It isn't hard to figure out. It's the insurance company's problem, not yours. The coverage was cancelled and it's the responsibility of the carrier to catch these things and deny payment.
6 :
Sounds like all you'd have to do is show proof from your husbands employer that he cancelled her from the policy.
7 :
First off, don't listen to "married mommy" and sue the poor kid just for trying to get herself decent medical care! Call the docs and explain the misunderstanding. They will most likel settle for pennies on the dollar and/or waive much of the cost as they would rather get something from Dad then nothing from the daughter.
8 :
You should gather all the medical bills and contact Charity Care. If she's not working or making very little, they should pick it up. An interesting thing about medical bills though, is that it doesn't appear on your credit report. So somebody's telling a fib. *ADD* Well color me stupid. I assumed it was so, because I owed about $30K in medical bills and they've never appeared on my credit report. My Charity Care answer still stands though.
9 :
Take her to Judge Judy's court. I'd love to watch that!
10 :
1st he needs to contact the daughter and tell her she is no longer covered as of her 18th birthday and he will be sending her these bills, next he needs to contact the insurance company and let them know what is going on, 3rd if the statements or bills have the Dr's or provider names on them he needs to call each of them and let them know the situation and have his name and insurance removed from her file. This is considered freud, make sure he lets his daughter know she is responsible for these bills. Next he can dispute the bills with the credit reporting agencies simply by writing to them, explaining the situation naming each providor and they will investigate. The provider technically should have had his signature for the "responsible bill paying party" not just her word which is why he needs to call each of them and tell them they need to send the bills to his daughter in her name.
11 :
call each and every doctor, and take his name off, and since she is 18, she is responsible. he never signed anything, he cannot be held accountable.
12 :
If she is not covered under his insurance the card is useless. Has he talked to HIS daughter. If she is going to the Dr. and is sick maybe he can help her. IT IS HIS DAUGHTER. When your child turns 18 does not mean they still don't need your help. I mean has anyone told her the card is no good?
13 :
He can sue her, but technically, unless your step daughter was a minor, SHE is the responsible party. In fact, if she was a minor, and his ex wife took her to the doctor the ex would be the responsible party. The responsible party is the one that consents to treatment, not the insurance card holder. Even if the "insurance" is in his name. I would be calling theses doctors first and pitching a bitch and I would tell them that I will be reporting them to the Better business Bureau for all the inaccurate billing(I would be nice at first, but if I didn't see them trying to straighten this out I would start to get nasty). For one, she is over 18, so he can't be held responsible, and two they should have been calling the insurance company BEFORE EVERY appointment to insure she still had coverage. If they want their money tell them to go after HER.
14 :
The insurance company should deny the claim and then she would be responsible for her own bills. Something isn't right in your story. Without valid insurance, they would bill her not him. It takes a phone call to the Doctor and the Insurance Company to clear it up. Someone is not being honest.
15 :
Doesn't matter she can use the insurance until she is 22
16 :
contact the credit report agency and tell them that she is over 18 and that she is responsible ..dispute it.. I had one try to get me to pay also.. they will try ..but you don't have.. call the 3 major one... equifax..trans union and i forget the other one.. he will have to contact them..but it can be taken off..and he need to get that card back from her ..asap..
17 :
You will want to talk to your husband's daughter and get a full list of all of the different bills that she has claimed your husband as the "responsible bill paying party" (or at the very least just find out which doctor's or clinics she has gone to and then contact them directly for an itemized list). This way you will not be hit with any additional surprises on your credit report for bills that do not yet show up on the credit report but will in the future. Now that you have the itemized list of what you owe then your best bet (outside of taking your daughter to small claims court) is to contact each of the medical providers directly and work out a settlement. After this is done then you will want to make sure that your daughter does the responsible thing and purchases her own health insurance policy. Since she is young she will be able to find a fairly cheap individual health insurance policy on the open market. Here is some more information on finding an individual health insurance plan and also some information on finding student health insurance if she is a student:
18 :
As horrible as it sounds, sue her for fraud & damages. Really there isn't anything much else you can do. You can also go through the painstaking process of contacting every single one of these doc offices that appear on the credit report & make them prove that your husband "SIGNED" something saying he was the responsible party. If they can't produce it, they have no case & have to drop the collection. I know you don't want to wait until THEY take you to court over the unpaid med bills, as that would be super expensive. If you can try & prove to them they are wrong before it gets that far you will save money. It will be a big hassle, but that's really all you can do. They don't want to go to court any more than you do, so they will try to get you to "settle" out of court to pay these things, but when you don't budge & refuse to pay them & insist that they PROVE you are the liable party, they will probably give up & admit that you are right & then they MUST remove it from your credit report. The other option that may or may not work is to open a dispute with each credit reporting agency over everyone of those bills. Then the credit reporting agencies will contact them & demand proof, when they can't provide it, it will have to be removed. Like I said, a lot of work, but it can be done. I had a similar problem & I use similar loosely here. My husband filed bankruptcy about 3 years before we got married & recently we've had all kinds of bill collectors contacting us & threating court, putting things onto his credit report from years ago, etc etc. We had to mail a complete copy of his bankruptcy to everyone of those places before they would stop to prove they couldn't hassle us. Everything stoped & was removed from his credit report promptly as we could have sued them for harrassment. But it took months to straighten out. I know there's a big difference there, but even in your case it will take lots of time & lots of effort to fix.







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Posted by Child Health at 1:19 AM

Friday, February 24, 2012

Isn't Bush's recent veto of the child health insurance bill more reason to push for universal health care

Isn't Bush's recent veto of the child health insurance bill more reason to push for universal health care?

Other - Politics & Government - 17 Answers
Random Answers, Critics, Comments, Opinions :
1 :
No.
2 :
D@mn strait. or better yet lets take away his health care, let him see how it feels
3 :
Yes. doing the opposite of bush wants will be good for America.
4 :
And pay for half of Mexico's population heath care too?
5 :
President Bush's veto is based only in economics....it is only a difference of opinion about how much to spend. To make the leap to universal health care from there is sketchy at best. One need only look at other government programs to see where that is heading. Look to Canada or European Socialist nations to see how poor their health care is....That's what we'll get under HilaryCare. The best answer, as is almost always the case, is less government intervention. Less regulatory burden on Pharm. companies will free up capital and research dollars. This will lead to less expensive drugs. Tort reform will lessen the liability burden that Drs. and Hospitals have due to frivolous lawsuits and ridiculous financial penalties. The free market, in an open economic environment, can fix this.
6 :
Absolutely. I'm tired of almost half my health insurance premium being siphoned off by the insurance companies.. They just take it and use it to bribe Bush and his cronies.
7 :
The health care bill, started by the republicans, was being expanded after being abused and extended to adults when it was funded for children only. He has vetoed the increased money, NOT the children's health insurance. Your distortion of the facts will not help convince people, as people, in a free society, hear both sides. That's why socialism can never succeed in the United States. It is revealed too soon to be effective. It depends on turning people against each other, to create class warfare. We already have too much socialized medicine, and the lack of competition amongst medical companies is driving prices up. If we make them compete again, prices will go down. Thank you, no socialism.
8 :
No, he is right. People making $82,000 a year aren't poor. With the added coverage this bill would give, people would remove their children from parents existing health care policies.
9 :
Every child deserves to have the best in health care no matter what the income of the parents are. To bad our president doesn't get that. I'd also like for him to have to live on minimum wage for a month.
10 :
Short answer? No
11 :
Actually, it's the first shot in defeating Socialist Medicine, LONG OVERDUE ! Go find your health care dollars from somewhere else, NOT MY WALLET !
12 :
Universal Health care? Who will pay for this health care? especially when countries in the world which have taken on these types of health care cannot afford to pay for it and their health proffessionals are over burdened with too many people per doctor ratio. You should read the Bill and understand the bills which are already in place.
13 :
No. Universal health care doesn't have a whole lot of support in this country - despite what you might have been told - but come hell or high water, the far left liberals will keep pushing for it. The so called child health care insurance bill is merely their way of getting a foot in the door - once the door is cracked open - universal health care won't be far behind. President Bush knows this and rather than pander to the left, he has once again stood firm in his opposition to this socialist agenda. The far left has many pet projects in the works and as long as there is a republican in the White House their lame bills will remain extremely difficult to get past the first hurdle - and that's at least part of the reason for their "hate Bush" rhetoric.
14 :
It's not really needed as a reason. Back in the old days there weren't any fire departments. Instead there were independent fire brigades and professional firefighters. People would pay dues to receive fire protection and mounted a badge or emblem on their houses and businesses to indicate which fire service's protection they were subscribed to. If you had a fire and didn't have that badge up, you put the fire out yourself or your property burned to the ground. People died while firefighters did nothing if they weren't paid. Gradually, people realized that if they established a municipal fire department charged with putting out every fire as soon as possible, everyone would be better off, and would actually pay less overall. Even the people who could afford protection under the private system were better off since a fire at an unprotected neighbor could easily spread to their property, at least causing some damage. I think the situation with private health insurance is very similar and we will ultimately enjoy the same benefit from universal health care that the establishment of fire departments gave. BTW - Canada's health care is as good as ours, for like half the cost. What, do you think they just get the expired pills up there or something?
15 :
Bush's recent veto of the SCHIP Bill just shows how out of touch with reality he really is. He's the one who referred to the bill as the first step toward universal health care, but it really wasn't in the form it was in. It's high time we got down to business here in this country and started working towards making affordable health care available to everyone. First off, we need to make insurers HELP people who are sick - get rid of pre-existing condition clauses, and exclusions for needed care. Next, we need to make sure that people who are uninsurable by today's standards (just because they actually needed health care at some point for diabetes, heart disease, cancer, or pregnancy problems) able to get good, reasonably priced coverage. Next, we need competition in prescription drug pricing, like Canada. We also need long term health care for those who need it. We are the only country in the industrialized world that doesn't take an interest in the health care of all of its citizens. There is no excuse for it.
16 :
Yes, to a liberal's way of thinking. But then, liberals don't need a reason, though they gladly manufacture excuses to cover for their actions. To a liberal, there never can be too much Socialism, or even Stalinism. Bring on Socialized Hillary Care.
17 :
Am amazed at how successfully the "for profit" private insurance companies have brained washed the American public to regard universal health care as evil socialism, etc. Bush is spending billions and billions of American people's taxes on personal wars, but you can't have universal health care...baloney! When are you going to wake up in America and see that the corporate health lobby and the corporate media are all in it together taking the people for a ride! The main challenge to our medicare in Canada in which every permanent resident is insured is the private health lobby who are undermining it because they want to make money from our illnesses, and sadly we have lots of hypocritical politicians , too, who are there to serve the very rich like in U.S.






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Posted by Child Health at 1:15 AM

Monday, February 20, 2012

TX, spousal support, child support, health no payment, do i send it to his attorney first



TX, spousal support, child support, health no payment, do i send it to his attorney first?
my husband was court ordered to pay me $4,500 a mo spousal, $1,200 child support & pay my health insurnce. also, he is responsible for 50% of my daugter's health costs (orthdonist in this case). he asked to have my daughter for last week (after he had already dumped her back home once), and then hauled her to my parents in another state (w/o my knowledge, also not allowed, or hiding or secreting), and left her there. he brought her back and was supposed to have her home by 6:00 YESTERDAY. even though it's in writing, he just didn't bring her back, saying "it's my weekend." this WAS true, except he was supposed to bring her home. now, he brought me my 'support' $1,200. that's it. says he doesn't have to pay my insurance (wrong), etc. problem is at the signing by judge, his attorney asked if he could make the mortgage payment directly and deduct it. she said yes, but his attorney didn't make the change and 
Marriage & Divorce - 1 Answers



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1 :
no





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Posted by Child Health at 1:10 AM

Thursday, February 16, 2012

Can a child's mental health benefit from any of these

Can a child's mental health benefit from any of these?
Can a child benefit from CT (cognitive therapy), CBT (cognitive behavioral therapy), REBT (rational emotive behavioral therapy), RBT ( rational behavioral therapy), or RLT (rational living therapy) I have a child who suffers from a few mental health diagnoses, and all have resulted in him have extremely low self esteem, no matter what I do. Would one of these maybe help us get to the next level? 
Psychology - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
all these are means by which to achieve the goal of a normal functioning human being. any of them could work or any combination. Study the child to know what reaches them and how to use that to your benefit.
2 :
maybe.. but I don't think that is what is needed.. I don't know your situation enough to say for sure.. but it sounds like he's had enough therapy.. he needs to do something for HIM! get him in karate or get him to learn an instrument or something.. but don't tell him to do it.. try to get him to say he wants to do it... maybe talk about it for a little while and after a few days ask him if he would like to do something like that... or just happen to drop by some place some time that is doing something you think he may be interested in.. and if he looks to be ask him if he'd like to join in. He's young and been threw more therapy than most adults.. he knows he's different and more therapy would just affirm that.. he needs to feel normal.
3 :
I assume you mean the child has been properly diagnosed by mental health professionals. Therapy is a good option if the child has been diagnosed or there are problems that need diagnosed. You have mentioned several behavioural therapy types and many people find behaviour therapy to be effective. there are also other therapies; Existential, gestalt, psychodyanmic and many more that have had good results. Combined methods aften work well too. I would seek a therapist who specializes in children and go from there. it doesn't matter the typr of therapy as long as it works.
4 :
The type of therapy doesn't matter nearly as much as a growth fostering relationship with the therapist. All of them could work, but you need a therapist that the child connects with to get to the next level using any of these techniques.
5 :
idk
6 :
I would strongly suggest looking at energy therapy (such as EFT) to help your child. EFT (Emotional Freedom Techniques) is a great drug free therapy that you can also learn for yourself. This means that you can do it yourself with your child without having to either take drugs or wait to see a therapist. EFT has a very high success rate with both children and mental health problems. Initially you can see a therapist or you can download a free manual that will help you get started. You can find out more from the sites listed below.















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Posted by Child Health at 1:07 AM

Sunday, February 12, 2012

Are there any low cost CHILD only health insurance programs


Are there any low cost CHILD only health insurance programs?
Here is my situation, my wife and I have a 19 month old daughter who was born with a cleft lip & palate, she's had two facial surgeries already and ofcourse will need more surgeries and health care. Our "cleft team" is located in New Orleans and we live in southern Mississippi. My job although pays pretty good they don't offer health insurance, my wife was laid off at her job because of the slow economy and she was our primary source for health insurance. I don't have the option to change jobs myself and with my wife not working we can't afford child care..So we were thinking of Medicaide but our "cleft team" doesn't accept Medicaide. They only accept CHIPS, what if we get approved for Medicaide? You can only apply for CHIPS if you are denied for MEDICAIDE. Im so stressed out right now because Health insurance is so expensive. The lady at the Childrens hospital says our only alternative is to have her surgeries in a state hospital in MS. Not an option! I want the best for her.Help. 
Other - General Health Care - 1 Answers



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1 :
You should post on www.cleftadvocate.org They have some terrific parents of children with clefts that have been through the same thing you have..There is also a financial help page that gives sources for help..Have you tried Shriners? They do help with traveling expenses as well..I'd contact Debbie Oliver through cleftadvocate though..She's been through it, runs the site, and knows TONS about insurance..Good luck to you! I know you'll find what you're looking for!






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Posted by Child Health at 12:58 AM

Wednesday, February 8, 2012

Can punishing a child by putting them in a corner be harmful to the child's mental or social health

Can punishing a child by putting them in a corner be harmful to the child's mental or social health?

Grade-Schooler - 14 Answers






Random Answers, Critics, Comments, Opinions :
1 :
Time outs are a good way to communicate boundaries and give everyone a chance to cool off.
2 :
no.
3 :
do u think smacking or pinching them is much better. children need boundrys and laying ur hand on a child is never the answer
4 :
Allowing bad behavior is worse than a time out in a corner. My kids were stubborn the corner did nothing so I tried a new idea I put their nose on the arm of the chair I was sitting in close to me but you try to stand up with your nose on the arm of the chair legs straight not resting you head just the tip of your nose on the chair they broke down in less time than the corner the apogies came quicker and lasted longer.
5 :
Just beat him/her. I was treated that way...and it helped.
6 :
Just like everything else time outs can be abused! if you put a 5 year old in the corner for an hr i don't believe there is one parent that could convince me that is healthy for that child. It also depends on the child, and the circumstances of the home they are being brought up in! If a child is not being paid attention to for a good amount of time and then starts to act up for attention because being good isn't doing any good, i really don't see that putting them in time out is healthy either. However, for the most part time outs are good not only for the kid to take a breather and learn a bit about consequences but also for the parents to cool off. Yet it has to be used correct or it absolutely can do some damage! If you do the recommended 1-2 minutes per year of age and there is explanation before and afterwords...then you move on and give your child positive attention after the punishment is over then no harm can be done. However no child should be in time out for more then 2 minutes per year! Not counting if the time out starts over for getting out!
7 :
your the mom and you should be able to tell if it will work or make things much worse then what they where to begin with. you'll just have to try it and see if it helps. as far as there social health i don't think it will harm them b/c every child must know right from wrong and your the one that has to teach them. they only act the way you allow them to. your the one that teachs them how they should behave and the faster you teach them your the boss and punishing them whenever they act up and show them if they wouldn't act up, they wouldn't be punished. you have to be in control and they will soon find out your the boss and acting up doesn't get them anything besides being punished. they be good and do as their asked then you should show them that behaveing good gets some special treatment to. you have to show them they are treatment for bad and good acts. let them know which is which.. hope i could help...
8 :
I think nowadays there are some out there that think all punishments are bad for your kids but then wonder why schools are having such problems with bad behavior. 1 minute per year of age is fine.
9 :
No only abusive behavior can.
10 :
The only mental issues a child will have, in the future, is if he/she is NOT punished or disciplined! Children are NOT born with the mind of an adult, however, many people think they are because they allow them to walk all over them and not be the parent they should be. Children need guidence - even through adulthood.
11 :
That really depends on how it's done. You could - call a child stupid & bad, make him stand in the corner for a long time while other children played around him, not explain the point of standing in the corner, ignore his physical needs while he stands there - these would be harmful to the child's emotional health. Or, you could - go close to the child & ask them to think about the choice they're making, whether they think they are fair, whether they think they are appropriate, whether they think they are effective. Ask the child why they think they're reacting/acting inappropriately & suggest that maybe a little cooling off/resting time might help them to get a grip on it all, then sit with them & help them come up with a plan to make amends & make better decisions in the future. This, would be beneficial to the child's emotional health.
12 :
Nope. But if you put them in a round room and then tell them to sit in the corner you may have problems.
13 :
That is better than no punishment at all. I send my son to sit on his bed with nothing to do.
14 :
Kids have been put in the corner for years and it never killed them.






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Posted by Child Health at 12:53 AM
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