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Wednesday, July 20, 2011

Children's Health Insurance

Are you looking for a health insurance policy just for your child? Children's health insurance, or Child-Only policies, have almost completely disappeared.


Many parents will get insurance just on their kids. Sometimes the parents cannot afford to get insurance on themselves but want coverage on their kids. Sometimes the parents are uninsurable. Sometimes the parents are divorced; the kid lives with one parent but the other parent pays for the insurance. Sometimes the parent doesn't want insurance for whatever reason, but the kids needs it to play sports in school. Sometimes the mother is still on her parents' insurance  policy (which is now allowed to age 26, another consequence of the Act).


Child-Only policies are no longer available. This is a direct result of the HealthCare Reform Act, also known as the "Affordable Care Act" which did little to making care affordable. A part of the bill stated that insurance companies cannot decline to accept any child because of a pre-existing health condition. Sounds good on the surface - who can really oppose children getting treatment? What happened in real life, however, is the insurance companies just stopped accept all children unless there was a parent or guardian also included on the policy.

The insurance companies did this to help keep premiums from increasing even more than they have. To get a policy by yourself you now must be age 19 or older.


If you need Child-Only health insurance there is one plan in Arizona that will still write a child-only policy. They will write Child-Only policies on kids age 2 through 18. The policy is a short term medical policy, and you can get more information here.

The problem with a short term medical is it doesn't cover pre-existing conditions and the policy will expire after the term is over (usually 6 to 12 months). You can reapply for another term upon expiration but any health conditions that may have developed during the previous term will not be covered. As an example, a child breaks a leg and goes to the ER to get it set. The policy covered the broken leg (after deductible) but terminated two days later. The parent applies for a new policy. The new policy will not cover the follow up visits for the broken leg, so the parent is now responsible for paying to remove the cast.

When you go on my website there will be one company that has 3 options. Give me a call with questions. As of now this is your only option other than through the state Medicaid department.

Monday, July 11, 2011


I came across this poem on the website LinkedIn. It was attributed to a "care magazine" but no other information was given.

It should be taken as a message of hope and understanding so Alzheimer's Disease can be better understood.

When I wander.......................................

don't tell me to come and sit down ;

wander with me,

it may be because I am hungry, thirsty, need the toilet,

or, maybe I just need to stretch my legs..........

When I call for my mother.........(even though I'm ninety!)

don't tell me she has died;

reassure me, cuddle me, ask me about her.

It may be that I am looking for the security that my mother

once gave.................

When I shout out.................

please don't ask me to be quiet......or walk by

I am trying to tell you something,

but have difficulty in telling you what

be patient…………Try to find out,

I may be in pain……….

When I become agitated or appear angry…………….

Please don’t reach for the drugs first,

I am trying to tell you something,

It may be too hot….. too bright……too noisy,

Or maybe it’s because I am missing my loved ones.

Try to find out……first……

When I don’t eat my dinner or drink my tea……

It may be because I’ve forgotten how to;

Show me the what to do….remind me,

It may be that I just need to hold my knife and fork

I may know what to do then………

When I push you away when you trying to help me……,

A wash, perhaps, or getting dressed.

Maybe it’s because I have forgotten what you have said;

Keep telling me what you are doing…….,

Over and over and over…………

Maybe others will think you’re the one that needs the help!

With all my thoughts and maybes,

Perhaps it will be you…..who reaches my thoughts……

Understands my fears and will make me feel safe…..

Maybe it will be you…..that I need to thank

If only I knew how……………..

Please pass this on to any caregivers which you may be aware. It may also be of interest to family members of Alzheimer's and Dementia patients.

You can find more information on my Senior Resources page.

Now you can find my Newsletter on my Website!

This is going to be a short post, as I've been away from the office for several days and have a lot of catching up to do. I now have a link to my newsletter on my website, along with links to Medicare publications and other informative links. Please visit the page on my website and check out my newsletter. If you like the newsletter please email me and I'll send you the newsletter via email each month.