Is it possible to put my mom on my health insurance?

Question

Are there any jobs out there in which I can have a parent covered on my health insurance or is it only covered for your own children? What type of insurance (if any) would cover for that type of situation. Serious answers please--this is to help my sick mother.

Answer 1

Your mother does not meet the definition of a dependent.

Most states have a guaranteed issue high risk health insurance program. Sometimes the premiums are based on income. Call your states insurance commissioner's office and inquire.

Good luck,

Don

http://mtnhealthinsurance.com

Answer 2

Yes, it is very possible;

but whether you would save lots of money is up to your talent:

* contact your company's Human Resources and ask  for assistance first (under which clause, you can do so etc.)

* contact your health insurance company and negotiate for a better policy for her. It could be that adding her into your policy WITH MUCH HIGHER DEDUCTIBLE in hospitalization + ER (= for cheaper premium)

Do shop around and compare: buying her a stand alone policy with similar benefit mentioned above (up to her health condition: if she needs prescription, then try to minimize this out of pocket expenses etc.).

For your mother who is being ill; it is best to negotiate for:

* reasonable co-pay per doctor visit (= pay nothing or about $20)

* reasonable prescription charge (= pay $5 per prescription per 30 day supplies max; or else ask the doctor to write prescription in such a way Wal-Mart can fill for $4 to $8 / month max)

* high deductible to hospitalization (say $1,000 per incident co-pay; insurance pay the rest)

* $200 per ER visit co-pay.

Work backwards: ask the physician, the hospital your mother uses for what insurance company is best for her;

then deal it with your current Health Insurance company.

SHOP SHOP NEGOTIATE NEGOTIATE

but must do it very fast, before the real needs arise.

Answer 3

I hope my suggestion might be helpful,though you need to make the judgement yourself.I have tried this good resource.

http://insurance.online-assistant.info/i...

Answer 4

Does she live with you?

Answer 5

I don't know of any employers' insurance companies that would allow this.  Theoretically, it's possible.  Practically, it isn't.

Answer 6

Highly, highly unlikely.

99.9999999999% of employers would not consider a parent to be an "eligible dependent" on their employee's benefit plan.

Is it possible that somewhere out there in the 0.00000000001% you might find an employer who would allow it?  Theoretically, yes.  But I've seen thousands of benefit plans from employers all across the country, and I personally have never seen one that would allow it.  (Doesn't mean one rare plan might exist out there somewhere, but I wouldn't hold my breath trying to find it.)

The only way you can know for sure is to ask your Human Resources/Benefits department...but I wouldn't expect an overwhelmingly positive response.  Taking on the medical expenses of employee's aging parents would be a huge financial liability for the company, which is the exact reason why I've never seen it anywhere.

You can try helping your mom see if she qualifies for Medicaid or (depending on her age) Medicare.  That's the best advice I can give you.  If she's already sick, you're going to have difficulty purchasing a private policy for her.

Sorry.

Answer 7

You really need to speak with the insurance company, and she does have to have the same address as you.  I just asked that question to my insurance co. this morning and they told me to call my Human Resources because they are the ones that can authorize it.