Is there any way to but my siblings on my insurance accont?

Question

I;m a single 24 year old male. I'm having an insurance problem!!

I want to put my sister and her new born baby on an insurance policy. I'm willing to pay any amount to get them under my and any policy.

Answer 1

You can't put them under your policy.

If you wish to purchase a private policy for them, contact a local insurance agent for a quote.  

Keep in mind that the baby may not be eligible for a private insurance policy right away - generally, a newborn has to pass a health exam and be at least a few months old.  (The exact age may vary depending upon the insurer and the state you live in.)  The reason for this is to make sure that the baby wasn't born with any expensive health conditions that would make him or her uninsurable.

Answer 2

You can't put her on your policy but you can purchase an individual  policy for your sister and child just find a broker.

I suggest using yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses.

Answer 3

If you are having trouble finding a policy for your sister and her new born you might try a discount medical program instead.  Not all programs are in every state so you will need to research that.  Check out www.MedicalAndDentalPlus.net to see if it is available.  This is not insurance, it's a discount program but it is extremely afforable.  Good Luck in your search for coverage and the best of health to you and yours!

Answer 4

You generally can't do that.  Check your insurance policy conditions and limitations.  They may have to buy an individual policy.