Health Insurance for Parent

[ayhd100 0]

Hi,

Anyone know what are options to get health insurance for parent. My father is 62 years. He is healthy so no any pre-existing condition. But just wanted to explore option. I would like to know legal and other options like getting any help from government ?

Thanks,

Edited December 25, 2012 by ayhd100

[Kathryn41 3,205]

Is your father an immigrant? Basically, in the US, to get health insurance you can either purchase private insurance, or you can be covered through your employer's or your spouse's employer's insurance. There is no government sponsored health insurance here until you have contributed a specific amount of money over a number of years through Social security /medicare premiums paid through employment and reach a certain age - currently around 67 years old. It is good that he doesn't have any health issues right now, but expect purchasing private health insurance to be expensive. You will need to 'shop around' to see what different programs are available through different providers (Private insurance companies like Cigna, Blue Cross Blue Shield, etc.) and then choose one that suits his needs and his budget. A search on 'Google" for 'Health Insurance' should bring up a good starting list.

Edited December 25, 2012 by Kathryn41

[ayhd100 0]

Thanks for response. My father will be immigrant. Some people mention that I can use government sevice because of no income my father will have. is there any program from federal or state for no income or low income to get health coveage ?

Is your father an immigrant? Basically, in the US, to get health insurance you can either purchase private insurance, or you can be covered through your employer's or your spouse's employer's insurance. There is no government sponsored health insurance here until you have contributed a specific amount of money over a number of years through Social security /medicare premiums paid through employment and reach a certain age - currently around 67 years old. It is good that he doesn't have any health issues right now, but expect purchasing private health insurance to be expensive. You will need to 'shop around' to see what different programs are available through different providers (Private insurance companies like Cigna, Blue Cross Blue Shield, etc.) and then choose one that suits his needs and his budget. A search on 'Google" for 'Health Insurance' should bring up a good starting list.

[NigeriaorBust 4,087]

There are programs for low income people but your newly immigrant father doesn't qualify for them. One of the condititions of allowing your father to come here is that you sign the affidavit that he will NOT use means tested ( low income) benefits. If he does YOU will be billed for the things he recieves and have to pay the government back. The worse thing of this is the rate they charge. If a normal person would pay $20 for something the governement rate is likely to be $100 so it is a big miskate to try to sneak you father into these benefits and then get billed back as his sponsor at rates much higher than paying up front.