Should I pay a “spenddown/contribution” amount to get coverage for my daughter when I do not have the amount asked to pay?

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Should I pay a “spenddown/contribution” amount to get coverage for my daughter when I do not have the amount asked to pay?

I have applied for Medicaid through my state and they say that my husband and I make to much money for our daughter to be covered and that we have to pay a “spenddown/contribution” amount of $2,705 a month to cover her. We do not have even that amount ever. The majority of the money brought in goes straight to rent and any bills necessary for the month. We barely have enough left over for food and essential necessities needed to survive.

Asked on May 31, 2012 under Insurance Law, Utah

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

I presume that the insurance that you want for your daughter is health insurance. The best way to get such is to contact an insurance broker. From what you have written the $2,705.00 premium is quite high for a minor child for health insurance.

It is not my call to advise you whether you should pay for something that you cannot afford with respect to your child. However, from what you have written, an insurance broker should be able to get an insurance policy for your daughter for health care that is reasonable unless she has significant health issues.


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