I was recently laid off and I can not afford to pay for continued health/dental insurance through my former employers cobra plan but my daughter desperately needs braces. If I apply for medi-cal and am approved does this cover braces or only general dentistry? Thanks for your help!
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Can you please add what state you are in? Are you married, divorced or single? Although intrusive, these are the questions they will ask you. When will your daughter turn 18? I will assume you are single/divorced but if you are married, it will be a completely different set of rules but still possible. I am a government worker and am familiar mostly with foster child benefits which may differ a bit. You will have trouble if they find out you are entitled to Cobra benefits. Whatever you do, make sure that they know this or it could be considered fraud. I don't know your financial situation but the extended benefits Cobra offers are so terribly expensive that I suggest you reject the policy altogether if you cannot afford it based on inability to pay and opt for strait Medi-Cal/Medi-Caid or risk depleting your savings (if you even have one) in order to "spend - down" your budget. If you have been laid off, you don't need this burden anyway. Also, where is your daughters father? They will ask this too. If you are not married and depending on your circumstance, he can be liable and court ordered to pay for half the cost of the treatment depending on the severity of your daughters need. 18 is the cut off age unless they are foster children, illegal immigrants, or your daughter becomes pregnant (which I doubt you would want to happen)! - then the cut off age is 19-21 depending on those factors. My son needs braces too and I have dental insurance that I pay a hefty premium for but the co-pay is so high that it will take 2 tax refunds (two years) to save for it. The most Medi-Cal can tell you is "no" in which isn't quite the end of the world just yet... they MUST send you what is called a "Notice of Action" on the back of that notice you will be offered a chance to appeal the decision within 30 day's - do it no matter what and be prepared to provide documentation relevant to her need. If that doesn't work - I don't know how your credit is...sometimes when we struggle it isn't perfect but many places will offer payment plans with less than stellar credit. I don't think braces should be considered "cosmetic" since abnormally placed teeth can cause other dental problems including TMJ and social/ socioeconomic problems later in life - like obtaining employment. Afterall - Medi-Care pays for Viagra. In which I may be greatful for in another 20 years lol ;) Good luck to you and my sympathies go out to you for your job loss. Please keep posted. I am curious to find out what happens. Sorry so long...I would have e-mailed it but you don't accept email. I believe every child and adult should have access to dental/health treatment regardless of income or employment status. Gets me to talking/typing too much girl!
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