Medical coverage..... omg!

Bee_Kay wrote: Sorry about another post about my 17 yr old daughter, hope you all aren't too sick of them yet.

But, I've found out some information concerning her turning 18 next month.

I found out that our health insurance will not cover her starting on her 18 birthday. If she lived at home, it would cover her and her baby until my daughter turned 21 if she chose to go to college (another thing that we offered to pay for).

So, that leaves the option of MA. Which in her situation, is a good alternative (being pregnant).

Here's the catch. A lady that works in the MA office told me that my daughter may not qualify. I was shocked and asked "why?".

She said that because my daughter is living with her BF and his mother there are guidelines that the state follows. I said, "yeah I know about income guidelines". She told me that it's not only based on my daughters individual income (she has no income), but they would base her eligibility on the BF mom's income! (household income)!!

Holy cow! I didn't know that! So, did I understand it correctly that her and her baby may not be covered at all (or only be eligible for partial coverage)?

mckayleesmom replied: Sounds like it....Does your daughter know this yet? Sounds like her best bet would be to move back home and go to School.

Bee_Kay replied: Well, at the time (when we talked to her about it) we knew that our medical coverage would drop her when she turned 18 (because she doesn't live at home, she wouldn't be legally considered a dependent).

So, we told her only what we knew... that she would have to apply for MA. Her response was "I am NOT going on welfare".

Yeah I know.... very foolish and niave.

Anyway, yes I know she should get her butt back home. But, she won't. From what I hear.... from their friends, family, ect., anyone that tries to give them the "Time to grow up" speech.... They won't speak to them because it's not what they want to hear.

mckayleesmom replied: She will learn soon enough. Dh's sister said the same thing and guess what? She is on welfare now because her mother refused to let her sit around without a job and raise a child that wasn't hers.

J-rod replied: whats MA stand for?

Bee_Kay replied: Medical Assistance

My3LilMonkeys replied: It all depends on the state and situation. When I was pg with Brooke we had no insurance so I went on MA. Even though DH and I both work FT and made too much money to qualify I automatically qualified as a PG woman with no available insurance options.

luvmykids replied: I think you should tell BF's mom, she may be less than happy to have herself involved that way and give your daughter a talk about going home?

Bee_Kay replied: The BF mom called me yesterday evening.

My sister answered the phone and when she was handing it to me, she said the lady asked for "Lacy's stepmom." I was stunned! I hadn't been referred to as a "stepmom" in years, with a few exceptions.... when she is p.o.'d at me she will refer to me to her friends as her "stepmom".

She said that she heard the messages that I had left. She said she's been out of town for a few days because her father had surgury. She said "They didn't call you and tell you they were going out of town for a couple weeks?" I'm like, "NO.".

Anyways, I ask her if she knew what my dds problems was. She said, "No, but she's isn't like that with only you, she is the same way with me and my daughter. Anyone that tries to talk sense into her, or tell her it's time to grow up... she acts like she hates them". (And she also told me that I am not the only one they ignore phonecalls and messages from).

So, I'm like "Wait... you allow her to stay in your home and she treats you like that???" She says "Yes". So I tell her, "That's pretty disrespectful of her isn't it?" The mom didn't say anything.

The conversation was polite but short. I was right in the middle of dinner and alot of things didn't come to mind that I maybe would have liked discussing with her.

It seems that dd and her BF are on a mission to be very destructive with alot of people around them.

It's too bad. I was looking forward to experiencing this for the first time.

MamaJAM replied: I know it's hard getting in touch with her...but you need to get all info you have on insurance to her. She should know all of this as soon as possible so she can weigh her options.

When DH and I first married and got preg - we were living with DH's parents. We were able to get full MA coverage. I think it was because we paid rent to ILs (though not much...it was more like helping with groceries but as far as the state was concerned it was 'rent' - kwim?). Not sure it would work out...but if she won't move back home - maybe she could become a 'renter' at her bf's house.

J-rod replied: how would one go about getting info on MA and things like it. what we have isnt enough.

Bee_Kay replied: J-Rod...
Easily

You can visit your local Social Services.... or type in Medical Assistance on an internet search (include the state you live in).

Also, I think you can get information from a clinic.

J-rod replied: thanks. i got a form online we need to fill out tonight and see if we eligable for anything.

got some but it wont be enough for everything, and my new job hasnt inurance available yet.

Bee_Kay replied: A friend of mine is pregnant with her 4th child and she is a single WOHM (fulltime).

She has pretty good insurance, but still, the bills are overwelming, so she applied for MA to help her cover the copays. She was eligible.

But, one thing I thought of was, if she is carrying the primary health insurance on all of her childrean, I would think that the fathers should be responsible for the copays (the fathers also have health insurance)?

Hmmmm.... I'll have to ask her about that now that it's come to mind.

fashionmumofboys replied: I hope your daughter comes around soon.

J-rod replied: i dont understand wht you just said.

im not leaving all the bills on her. we are getting married and everything we do we are doing together. i would never ever put it on her. i try to make things as easy and stress free for her as possible.

Bee_Kay replied:
LOL!!! you misunderstood me

My post was in reference to having LIMITED coverage, but it not being enough

Absolutely not pointed at you


Editted to add:

That MA is available to those that have no current medical coverage AND to those whose medical coverage isn't enough

Also, about my friend. I just meant (it actually had nothing to do with you) that I'll have to ask her why she got MA for her copays, rather than the fathers of the children covering those expenses (because they, too, have health coverage).

J-rod replied: oh ok. sorry.

C&K*s Mommie replied: I skimmed the above posts, so I hope this has not been mentioned already.

But here in Florida we have Kidcare and the subsidiaries of that. It is basically insurance for kids through the age of 19. The point is the baby should be eligible if your state has such a program shortly after they are born.

And unfortunately in your daughters case all members of the household need to have thier income reported. For some people it is deterrent to fraud. In her case, she may still be eligible- everyone, incuding the unborn child equals 4 members of the household. For our state, I think (not 100% positive) the cap on income was $2500/mo- gross, for 3 members of a house. For 4, it would have been slightly higher. It has been years since I knew the answer. Since the mother of the boyfriend is the only one working, she hopefully will have income that is the only under the monthly gross income cap.

Keep us posted.

No, keep on posting your concern for your daughter and this unborn child.

luvmykids replied: I guess it's easy for me to say, but I don't understand BF's mom at all. Why is she allowing them to stay when they are not in any way trying to be responsible and disrespecting her and her home?

I'm not saying she should throw them out cold heartedly, but I'm blown away that they're allowed to be so nonchalant about everything.

Geez Kay, every time you post I just feel so bad for you and this whole mess.

Bee_Kay replied: Yeah, I don't get the BF mother either..... each to their own I guess.

When I talk to her, I just shake my head. She is laid back and her reasoning for her sons irresponsibilities is just this "I've spoiled Billy his whole life, he's never had to work for anything. He is trying to get a job, but nobody wants to hire an 18 year old that's never worked before".

Sorry, what a load of crap.

The way I see it.... if they are "grown up" enough to make the decision to keep the baby.... then they d**n well should be grown up enough to get jobs and support their decision.

Mom2BNTN replied: It does sound like she wouldn't be covered at all unless she does move back home and goes to school to further her education. I'm sure she may not want to do that, but that seems to be her best option here. Is there any state assisted housing programs where you live for single moms? You might could check into that and see if she could qualify for something along those lines.

Bee_Kay replied: Hmmm. not that I know of.

The darnest thing about that is.....

Even if they (or she) get an apartment... they have nothing to put in it. I think they may have a bed and a tv..... oh, and a playstation.

That's all I know that they have.

I can check into it though.