What is the general cost of health insurance for one child, possibly two?

I have two children, one with a disability who will be receiving SSI benefits until I exceed the income limit once I finish school, and another child with no disability who I will be paying for insurance for, either through a job, or through some agency or program that's available. I currently live in Georgia

I have two children, one with a disability who will be receiving SSI benefits until I exceed the income limit once I finish school, and another child with no disability who I will be paying for insurance for, either through a job, or through some agency or program that's available. I currently live in Georgia USA, but that may not be permanent. Here are a few details relating to my question, and I will provide additional details about the situation once I've posted this question anonymously.

1.) Since one of my children will receive SSI benefits which makes the child eligible for Medicaid, is there any reason to enroll the child receiving SSI benefits an insurance plan through a job, agency, or program where we live? (secondary insurance)

2.) I do not want some "bare minimum" insurance plan that exists only to avoid a tax penalty. I want my children to have good health insurance, but it doesn't have to be the most expensive insurance that is available. I just want it to be good insurance that's fair and reasonable. I will likely enroll one child (possibly both, depending on the answer to the first question) in an insurance program through my work, once I am working again and become eligible to receive benefits.

3.) I understand that insurance premiums vary based on individual providers, the plans available through said providers, and other variables. I am just wondering what others pay per month to insure one or two children. I can make an "average" with that information.
I'm asking because my soon to be ex and I are negotiating custody of our two children, and he would like to give me sole custody as long as he can have visitation from time to time. I have yet to determine what his definition of "from time to time" means. He wants to adjust the amount of child support

I'm asking because my soon to be ex and I are negotiating custody of our two children, and he would like to give me sole custody as long as he can have visitation from time to time. I have yet to determine what his definition of "from time to time" means. He wants to adjust the amount of child support he will pay each month because one of our children will be receiving SSI funds. I am trying to make sure that our children don't get financially ripped off.

Best Answer:

~Missy~: Depending on the income you are expecting, you may be able to apply for PeachCare. It is government based insurance but the premiums are based on your income.

The monthly payment amounts range from $0-$38 per month. And the coverage is pretty much the same as Medicaid.

Other answer:

~Missy~:
1
amy lynn:
Just based on your information, it sounds like you could get state funded insurance for BOTH of your children. One child because of the disability and one child because of your current income situation. Start by applying for state programs which will likely be free or the lowest cost possible.

Next, talk to an insurance agent about getting coverage if you couldn't get state funded help. But, regular insurance programs are usually very expensive or if it is "cheap", it has extremely high deductibles before coverage begins.

After you get a job, employer insurance programs are almost always better than any other program you could get for yourself. But you won't know what is available for you until you actually get the job or career you are studying for.

lucy:
As a father, he is entitled to have visitation and should be addressed in the divorce of when or how often he sees them. Child support is based on both mom and dads income. No matter how much is set up now, it can be modified later at any time, especially if the income goes up/down with either parent. So, whatever you decide now is not set in stone.

http://www.alllaw.com/calculators/childs…
This is a simplified version of what he would need to pay.

http://cscalc.gaaoc.us/CSCDownloadableFi…
This is a spreadsheet that breaks down more info, which also includes childcare, which surprises me that the other does not address.

The biggest problem with Medicaid is finding doctors that take Medicaid.

My advice, just like the others is that you find an agent to answer your questions. They can tell you if you qualify for any subsidy for your other child or yourself based on your income. And no, there is no charge.

Zarnev:
1. There is only one reason not to enroll that child in Medicaid and that is if the doctors you want to see don't accept welfare.

2 and 3. The answers to your questions can be answered by an agent that works with all of the major plans in your area. Be aware that plans available to you will depend on your location; sometimes down to your zip code. Therefore, where in GA you are located will matter. The agent can help you find the best plan for your situation and budget. They can help you apply for a subsidy if you qualify, which can take the premium (depending on the plan you get) down to as low as $0. The subsidy is based on household income.

So without knowing your personal information such as location, income, and your requirements nobody here can answer with any authority.

BTW ▬ there is no charge working with an agent.

Biff:
you would need a family plan for 2 children and 1-2 adults and the full monthly – if you get it thru a job. you usually pay at least 25% of that amount
Share

Leave a Reply

Your email address will not be published. Required fields are marked *