Scott Said:

health insurance for child with epilepsy?

We Answered:

it is something to ask the human resources person at the company you are supposed to be going to work for... they will have any information on health insurance benefits... most companies will make you wait 90 days before benefits start, and any care the child would need would be coming out of your pocket without any chance of being reimbursed... your part of the premium ranges anywhere from nothing to $450 a month for family coverage depending on the company you work for... private insurance sometimes can go as high as $2000. a month...ask about deductibles (the amount you have to pay before the insurance starts paying), any CAPs (the maximum amount the insurance will pay per person...ask about any 'pre-exsisting condition clause' - if they have one that means they wouldnt pay for anything related to epilepsy anywhere from 3 months to 1 year... ask your doctors there if the medication he/she is on right now is available in the u.s. - not all medications are available in all countries...make sure the insurance you have even has a prescription plan to cover medications - not all do...some have a seperate deductible and CAP....

there are alternatives for company or private health insurance plans here are are offered by the individual states' governments that only cover children, but 1) they suck -put plain and simple - not enough doctors take it, the waiting lists are sometimes 3-6 months for specialists (which you might need for epilepsy, depending on the doctor you would find - some are comfortable treating epilepsy, some will not want to deal with it and refer you to a specialist) 2) you have to meet income limits - that depends on how much your company is paying and how many people are in your family, 3) it takes months to get the process approved. 4) they are subject to residence and citizenship status alot of times (would need to check with the state you are moving to) so I dont know what your citizenship status would be.