Question : What is a good health insurance for children with special needs?
My son is on a feeding tube due to a small bowel transplant he received last year. My husband and I are returning to a full work schedule and our health insurance (Tricare) does not cover a nurse for him, or special daycare because his only special need is the feeding tube and the medication he receives through it. Apparently that's not enough. So is there a good company that I can purchase insurance through who will cover these types of things for him?
- asked by ashley b
All Answers:
Answer #1
I'm sorry to hear about your son being in thiscondition.There is not a company that will insurehim to cover the medical problems that he has,that I know of. There are some which say they areguaranteed issue, and cover pre-existingconditions, but they are not Major Medicalcoverages, which you need.You may google"Guaranteed Issue health Insurance" and take alook.Contact the State Department of Health andHuman Services. I'm sure you could get a medicalcard for him.Best wishes, and God bless.
- answered by james m
Answer #2
I would think Medicaid would cover these things.
- answered by Dr. E-Nasty
Answer #3
OK, the first thing - the best insurance forspecial needs children, or rather, the ONLYinsurance you can get outside of your employer,would be Medicaid, through your state children'shealth insurance program. If you're stationedoutside of the USA, I have no idea if/how it wouldwork.BUT, it's highly unlikely that a healthinsurance company is going to pay "long term care"type costs - which would include special needsdaycare (heck, it doesn't pay ANY daycare!) orprivate nursing. I think you should try having oneof you stay at home with the child.
- answered by mbrcatz17
Answer #4
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- answered by ROGER J
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