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Where can I ge health insurance, for my son, who has a birth defect.?

There are three other options, in addition to the ones already posed:

1) All states have a Children's Health Insurance Plan. (Do a web search for your state's plan for details.) Pre-existing conditions are covered. This is NOT a Medical Assistance (Medicaid) program, so you don't have to be poor.

2) Many states have "high risk pools" for uninsurable individuals. Call your state's insurance commissioner's office and ask if your state has one. If it does, ask what you need to do to enroll your child.

3) If you have group coverage, you could enroll your son. He cannot be turned down, but depending on the circumstances, he may be subject to a pre-existing condition exclusionary period. (You may want to discuss this with the insurance commissioner's office when you call re: option 2.)

Most states offer free state funded insurance (medicaid) to children who are uninsured or underinsured, but is based on the parents income. Some people have a hard time finding a doctor who will take it as well, but you should be provided a list when you enroll your child. Just go to google and type your state + Medicaid and that should bring up your states website with all the info you need.
That depends upon what the defect is. You'll want to visit a local independent agent. This person can talk with the underwriters of the companies to find out if any will accept him before you apply with the company. The underwriter will tell the agent if they'll rider the defect, decline him or accept with a rate up. The agent doesn't charge you any extra for the service. Do not try to do this over the internet because you won't know the possible outcome until you apply.

You may get answers here concerning medical discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of 鈥渟ave up to 80%鈥?be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn鈥檛 find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won鈥檛 give you a list consider it to be a scam. Call the doctors on the list to make sure they鈥檙e still taking the card (many don鈥檛 even know that they鈥檙e listed as a provider) and that they鈥檙e accepting new patients.
Independent Agent
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