Are there any jobs out there in which I can have a parent covered on my health insurance or is it only covered for your own children? What type of insurance (if any) would cover for that type of situation. Serious answers please--this is to help my sick mother.
--------------------
Yes, it is very possible; but whether you would save lots of money is up to your talent: * contact your company's Human Resources and ask for assistance first (under which clause, you can do so etc.) * contact your health insurance company and negotiate for a better policy for her. It could be that adding her into your policy WITH MUCH HIGHER DEDUCTIBLE in hospitalization + ER (= for cheaper premium) Do shop around and compare: buying her a stand alone policy with similar benefit mentioned above (up to her health condition: if she needs prescription, then try to minimize this out of pocket expenses etc.). For your mother who is being ill; it is best to negotiate for: * reasonable co-pay per doctor visit (= pay nothing or about $20) * reasonable prescription charge (= pay $5 per prescription per 30 day supplies max; or else ask the doctor to write prescription in such a way Wal-Mart can fill for $4 to $8 / month max) * high deductible to hospitalization (say $1,000 per incident co-pay; insurance pay the rest) * $200 per ER visit co-pay. Work backwards: ask the physician, the hospital your mother uses for what insurance company is best for her; then deal it with your current Health Insurance company. SHOP SHOP NEGOTIATE NEGOTIATE but must do it very fast, before the real needs arise.
Source
No comments:
Post a Comment