Originated From
AOL Search

I am 36 years old have 2 children no job and no health insurance. What do i do?

Liked this question? Tell your friends about it

3 Answers

Order by
Oldest to Newest
Newest to Oldest
Votes

Stick your head up your ass and kiss your soul goodby.

First and foremost, get a peace of mind and sit down somewhere.. Write down what you can do?! Swallow your pride, you ego, your stubbornness and know that you have to take care of yourself and your kid no matter what. Don't indulge into self pity behavior. Write down, strategize, know where you need help, support, favors, work, changes, decsipline, routine, action, strictness etc. Manage your life before the external events damage you all. If you need consultancy then go out look for it. Unite your energies and work with all available resources. Hope this will help you.

Truthfully you my not have an insurance option available to you if you can't afford to buy any or don't qualify for your state's medicaid program.  That's just the reality of it all.  However, that doesn't mean there isn't any "health care" options available.  If you don't have any money, check with your state's medicaid office for a policy for your kid at least.  Ask about CHIP.  Children's Health Insurance Program.  While you're at it, ask about something for yourself.  Ask your local health department about programs that will assist you with preventative care.  ie:  immunizations for the child, women's well care for you, dental and vision assistance, etc  Contact your state's insurance department as a resource for insurance and non-insurance  options in your state. If you have a disability, you may qualify for social security benefits and social security income.  The Federal health insurance program has insurance that isn't much but you have to have income b/c it is insurance and you have to have a pre-existing health condition.  But like I said earlier, if you don't have any money, this won't be an option for you either.  Every state is different so you really should start local.  City and County for resources available to constituents who live there.  Then go to the state level and finally to the Federal government.  Local clinics and hospitals may also be a resource for getting basic health care needs addressed.  Don't forget to reach out to the churches and other community organizations.  If you have access to a computer, go online and look for national or state organizations that might provide grants to organizations that help people with health care needs.  Like the Robert Wood Johnson Foundation.  Or the Kaiser Foundation.  Need prescription medicine?  Ask every pharmacy in your town about free or low cost medicine.  Most all of them will offer discounted prices to eligible people.  You said you have no job but you didn't say you had no income.  With a little income you might also be able to buy a viable discount health plan but be careful and make sure it's one that is recognized in your state and that your medical providers accept.  There are some good ones that do what they say they will but there are some others who are there just to rip off your money and your dignity.  Check with your state's insurance department or attorney general to find out if a discount plan operator is valid in your state.  There are resources out there and I know this is a lot of information but I hope it helped.  Unless you and your kids are always sick, insurance may not even be a good option for you anyway right now.  Yes we all would like to have a good insurance plan but if you are rarely sick and have no grave health conditions, it may not be a good idea to pay thousands of dollars in insurance premiums for otherwise healthy people.  AT least not until you get yourself back on your feet and can afford it.  If your kids are small, however, and you have any income at all, I would suggest making a big effort to get them enrolled in your state's CHIP.  I mean if you have hundreds of dollars to pay insurance premiums, you can put that money into an interest bearing account and save it for a rainy day.  ANd let's not forget; insurance is conditional.  You can have a great plan but what the company pays is conditioned on what you're being treated for and what they'll pay after your co-pay, deductible and coinsurance has been paid.  Let's face it by the time you pay your part, there's usually not much if anything that the insurance company pays.  Unless you have cancer or some major operation or something.  It's good to have insurance when you need it but frankly in my opinion, people should have a major medical plan for major illnesses and emergencies only.  We shouldn't be paying crazy premiums to prevent illnesses and simple things like the flu.  But at the some time I feel that simple services like these should be affordable so that we can take care of them ourselves.  Just my take on it.  In my nearly 60 years of life, I have paid thousands of dollars for my children to have insurance and I probably only had to use insurance 3 times for them and in those cases, surgery was involved.  You know what we need that is hard to get at reasonable cost and that's dental and vision coverage.  You can get it but read those policies REAL close.  Companies will pay for an eye exam but will pay little or nothing for the glasses or contacts.  If you buy dental insurance you'd better be sure it covers extractions or braces.  Oftentimes the only benefit that it covers is 2 cleanings a year.  You can pay for that out of pocket.  Good Luck.

Related Questions

Other people asked questions on similar topics, check out the answers they received:

Asked: Is health insurance mandatory?

Is health insurance mandatory?

Asked: Who is considered a health insurance carrier?

Who is considered a health insurance carrier?

Asked: Retirees health insurance for Waterbury ...

Is Waterbury supposed to provide medical insurance to a retired firefighter and his spouse for their lifetime at no cost to them if firefighter retired in 1998? Is Waterbury supposed to pay for the ...

More Questions

Children Health Insurance Oregon

I saw this in a healthinsurance website,I hope it helps Oregon's Children's Health Insurance Program (CHIP) is administered by the Oregon Medical Assistance Program (OMAP). It offers the same benefits package and choice of carriers and providers as Oregon Health Plan (OHP)/Medicaid ...

What is 3 divided by ___ = 36

I'm hoping the questioner will believe the ones that gave the correct answer. It was 2 to 1 in favor of the correct answer after my posting. I was curious if anyone would pick up on my wrong fractional equivalent. Have a thumb.

I am a type 1 diabetic on a insulin pump, my insurance has risen so high

You could apply for medicaid. Or you could see if any of the drug companies have programs to help. Many of them do when it comes to diabetes.

Health Insurance For My Family

When it comes to taking a health plan for the entire family, Royal Sundaram’s Family Good Health Plan is what I am aware of that provides excellent features and benefits. It covers pre-existing diseases after 4 years along with cashless facilities in over 3000+ hospitals. The best part is that no ...