Judy Said:

why is important to inform the school of the changes in a child's health status?

We Answered:

Your child's teachers should be aware of what is impacting his or her education. For example, I had a student earlier this year that I knew something was off about him, but couldn't put my finger on it. Turns out, he had been having seizures in my classroom (not the major kind) and I had no idea until the mother told me a good month into the school year. There are so many outside factors in learning- health is just one of them. Teachers have to be aware of what might be causing your child's performance to drop, behavior to be less than acceptable, or just to let you know of any important changes or reactions we might see. We have your kids for eight hours a day, 180 days a year. Why wouldn't you want someone who has that much influence over your child to not know something is different- it could even save their life!

Gary Said:

COBRA Health Coverage for loss of dependent child status?

We Answered:

Lori S is right, COBRA is usually only a good idea if you have a serious medical condition. If you are healthy you defiantly need to find an individual policy on your own.

If you have already run some on-line quotes you already know that there are many insurance companies to choose from and then each company offers 3-7 different plans. This can be pretty confusing.

I suggest using yellowpages.com to search for health insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. A good broker will ask you a few questions then make a recommendation on the company and plan that may fit your needs.

For a typical college student who is healthy and has a limited budget I usually suggest a plan with a higher deductible and a lower premium

Lance Said:

i am receiving medicare thru my ssdi can my children get health coverage under my medicare status?

We Answered:

No, you cannot get health coverage for your children under your Medicare status. You can contact your states' CHIP (Children's Health Insurance Program). This is a program for people who make too much for Medicaid but aren't able to afford health insurance. You can find information about your state at this website: http://www.insurekidsnow.gov/

Each state has different regulations, but in most states uninsured children under 19 are eligible if you fall within state income requirements. Most states have little or no premium.