What are some affordable Health Insurance Options in NYC for Latin American father and his child to be?
Posted by Dolores
jerri asked:
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?
Caffeinated Content - Members-Only Content for WordPress
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?
Caffeinated Content - Members-Only Content for WordPress
November 15th, 2009 at 2:43 am
Caffeinated Content
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.
November 17th, 2009 at 7:18 am
Caffeinated Content
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.
November 18th, 2009 at 8:06 pm
Create a video blog…instantly.
I would encourage you to visit this great website: 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
November 21st, 2009 at 12:43 pm
Kansieo.com
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