Monday, September 16, 2013

Best Kept Secret

I'd hate to say it but the government (federal and state) has been keeping a really big secret from you. Big surprise, right? Well you maybe surprised to hear that they are keeping affordable children's health care a secret.

It's probably not intentional because they want kids to have affordable health care otherwise the program wouldn't exists, but it's not like they do a whole lot of advertising. We've all heard of Medicaid for poverty level families. There are many people who don't qualify for Medicaid because they make too much. But they either have a job with no benefits or like us can't afford the jump in premium.

As we were preparing for Squeaker's arrival we were looking at the cost of adding her to our insurance plan. Trey's work offers pretty good medical coverage, the only problem with adding Squeaker would take us from an employee+1 plan to a full blown family plan. A premium jump of about $200 a month. Now the family plan covers up to five kids I believe so for having two or more children it's a great premium. For our budget (which still included utilities for the house we hadn't sold yet) we couldn't afford it. I started looking into state and federal aid but we didn't qualify for any of it.

One day Trey was talking to a friend, Scott, at work and explaining our insurance conundrum. Scott jumps in and says, "Apply for All Kids". His daughter was diagnosis with a heart condition shortly after birth and one of the nurses suggested they apply for All Kids so they wouldn't be stuck with horribly large medical bills. They had never heard of the program but of course Scott filled out the paperwork and a year or so later when their daughter needed heart surgery
it cost them $300. Yeah you bet we applied.

For three years All Kids as been our saving grace. When we needed a nebulizer we had one, fully covered. Extensive blood tests covered. X-Rays, CT scans, Ultrasound, Barium Swallows, Ear Tubes placed, teeth removed a small copay. Then of course all the medicines $5 a piece! Even as cost have gone up it is still far cheaper than Trey's work plan.

Every time we think about applying for a management job we look to see how much the cost of living is. Including if the state has a supplement insurance program and it's requirements. Most states only have income requirements, paired with the number in your family. Including unborn children. Some of them though have exceptions for children with high medical needs, or mental
impairments such as autism.

Take a look and see what your state offers.

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