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stay at home mom HELP!!! ANMELL 2 kids; Detroit, Michigan 190 posts
17th Aug '12

I was supposed to return back to work from maternity leave on September 4th....BUT I no longer have a babysitter. My families health insurance policy was thru me....now that I am not returning back to work we wont have any as of October 1st. The family insurance plan thru my husbands employer is OUTRAGEOUSLY expensive. So can anyone help me on where to go next. I live in Michigan and here we have Medicaid...but with my husbands income I dont know if we will qualify. I am mainly concerned with having insurance for my children primarily. I just dont know where to go to get info. Any help is appreciated.

Kelly&Coralie 1 child; Rochester, NY, United States 56008 posts
17th Aug '12

Daycare?

Blythe. 1 child; Indiana 22065 posts
17th Aug '12

Daycare and if you don't qualify for free medicaid I pay 33.00 per month for DD

Bearer of ʞings 9 kids; Santa Cruz de Tenerife, Spain 8251 posts
17th Aug '12

I'm not 100% sure but you may be able to get Medicaid for just the children. Call & find out.

JenTheHen 2 kids; Hillsboro, Oregon 458 posts
17th Aug '12

Look up cobra insurance, it's a program to extend your health insurance coverage. Here's a link:
http://www.dol.gov/dol/topic/health-plans/cobra.htm

InkDMomma 35 kids; Clinton Township, Michigan 27418 posts
17th Aug '12

They ALWAYS will provide insurance for the kids, unless you are like making bank lol



My kids have it and insurance through my husbands work.

ANMELL 2 kids; Detroit, Michigan 190 posts
17th Aug '12
Quoting Kelly&Coralie:" Daycare? "

Daycare would be too expensive an I would be working just to pay for daycare.

InkDMomma 35 kids; Clinton Township, Michigan 27418 posts
17th Aug '12

What county do you live in?



Look up your county's DHS (department of human services)
they have packets and workers there to help you with whatever you need to get.

ANMELL 2 kids; Detroit, Michigan 190 posts
17th Aug '12
Quoting InkDMomma:" They ALWAYS will provide insurance for the kids, unless you are like making bank lol My kids have it and insurance through my husbands work."


How do I go about getting info for Medicaid. Is there a website or do I need to go to a social service office?

Zoe&Harper's Mom (Em) 2 kids; Alabama 16920 posts
17th Aug '12

maybe look into individual plan for you and your husband. I know here when I was without insurance I went through Blue Cross Blue Shield and paid like 100.00 a month for a 500 deductible with 35 copay for myself. You can see if your kids will qualify for medicaid and if not they should have another program that you pay so much a year (here it is called Blue Cross All kids). I would much rather have insurance with a deductible in case of a wreck or something horrible so I wasn't left with thousands of dollars in medical debt. (Look up plans with Blue cross, United Healthcare, Cigna, Humana, etc)

snglemama 4 kids; Georgia 11978 posts
17th Aug '12

well.. you'd be working to provide insurance to your family.



what did you do that doesn't pay more than daycare for 1 child??



call your car insurance company. I know state farm offers different health insurance plans.

ANMELL 2 kids; Detroit, Michigan 190 posts
17th Aug '12
Quoting InkDMomma:" What county do you live in? Look up your county's DHS (department of human services) they have packets and workers there to help you with whatever you need to get."


Wayne County. Thank you, I will look that up.

Zoe&Harper's Mom (Em) 2 kids; Alabama 16920 posts
17th Aug '12
Quoting ANMELL:" How do I go about getting info for Medicaid. Is there a website or do I need to go to a social service office?"


your state should have a website and you can apply for everyone on there (or at least that is how my sister did hers)

Caloia~Momma 3 kids; Fenton Township, Michigan 376 posts
17th Aug '12

There is a program called MIChild, its apply for insurance for just your kids.



http://www.michigan.gov/mdch/0,1607,7-132-2943_4845_4931---,00.html
Here is the link for it :)

ANMELL 2 kids; Detroit, Michigan 190 posts
17th Aug '12
Quoting snugglemama:" well.. you'd be working to provide insurance to your family. what did you do that doesn't pay more than ... [snip!] ... more than daycare for 1 child?? call your car insurance company. I know state farm offers different health insurance plans."


The babysitter I was using for my daughter was a family friend who I trusted and was extremely affordable. ow that I had my son I can no longer use her as my sitter. I know if I worked I would provide insurance for my family but if working is not an option I need to find insurance elsewhere.