Here is the situation:
My son is seven and severely autistic. He lives with his mom (we are divorced). As part of our agreement, I take care of his health insurance and medical bills, co-pays and things related to his medical care.
I pay for insurance for him thru my employer, around 0 a month, just for him. However, although it is pretty good for office visits, it is really bad for hospital. Because he is autistic, he has to be knocked out for some procedures that he wouldn’t normally be knocked out for. Recently he incurred a 00 bill, which the insurance company wont pay because he already maxed out his hospital indemnity for the year. I feel that the time has come to provide him with some sort of hospital indemnity, but I can’t find any that I can actually afford. I don’t make very much, I make enough to pay his regular health insurance and his child support, and the occasional doctor bill. But I don’t make enough to pay the huge premiums that a regular hospital indemnity plan has.
To add another wrinkle, I live in New York, he lives with his mom in Connecticut, she is the one who brings him to the doctor/hospital, I’m just the one who pays for it, which I am happy to do.
But the problem is, that anything available with NY, only covers providers in NY.
CT wont work with me because i do not live there.
Am I screwed (as in I have to pay 900 per month in hospital insurance), or is there something I can do?
By the way, I make about 000 per year, not a lot for New York.
I just want to provide the best care for my son, but I need something I can actually afford
Dueoct16: His mom is married to an Certified Public Accountant, she also has a job which pays quite well, but would cost a lot to put him on her plan. I like paying his insurance, makes me feel like his dad. Plus I don’t want to ask my ex for anything, she would take it as me not being able to properly insure my son.
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