Where can a single mother with 2 kids (21 18) get low cost health insurance?

Question

My parents have recently divorced. My father is moving back to Ireland and has to quit his job. My mother, brother, and I were covered under his insurance. But once he leaves the country our insurance will cease. My mother works at home and does not make very much money. We are looking for coverage for the three of us that is not expensive and very low cost as we do not have the means to afford much. We only need it for about a year as I will be graduating and teaching full time as a NYC teacher by next September.

*My brother is legally blind, but other than that there are no serious health issues and none of us are tobacco users.

*We are hoping to get insurance that would cover quality licensed professionals.

*We understand in this economy you get what you pay for, But we honestly do not have much. We are hoping for something affordable without being skimmped on coverage.

Thanks :-)

Answer 1

I work for a company that has medical and dental benefits, its not insurance but it will help if you have doctors on their plans. Check out the link below to see if there are doctors in your area.

http://providersearch.ameriplanusa.com

www.mybenefitsplus.com/lreineke (This website will tell you about the benefits) If you need anything else, let me know. Hope this helps.

Answer 2

Any one 18 and under would qualify for schip (medicaid). http://www.cms.hhs.gov/LowCostHealthInsF...

If you are over 18, call your local assistance office and see if your state offers adultbasic.

Answer 3

Well, those two kids are technically adults.  You'd need to go to a local agent, to get quotes.  

If you want a low deductible plan, it's probably going to cost about $1200 a month, IF your mom is perfectly healthy, and no one is overweight.  To get a much cheaper rate, you have to agree to pay the first $5,000 or so out of pocket, in medical expenses, before the insurance kicks in.

Obviously, if anyone has anything already wrong with them, the insurance will either most likely not cover it, or they'll refuse to write you at all.

Best thing to do, will be for your mom to get a 'real' job, where she can get group health insurance through her employer.  

After YOU are employed, that won't help your mom or brother, as YOU won't be able to add either of them to YOUR insurance.