Issue: An unmarried college student, living at home, and covered on her parent's health policy as a dependent is pregnant. The newborn will be her dependent, not her parent's so she will need insurance on the child only. Are stand alone policies available for children?
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All health insurers cover children, although most will state they have to be at least 30 days old first. Contact the mother's state's insurance commissioner's office and ask for a list of insurers issuing individual policies there. Another possibility is the state's Children's Health Insurance plan (this is not the same as Medical Assistance or Medicaid). All states have this federal program. Contact the Dept. of Social Services in the county where the mother resides.
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