Adoption Insurance

Question: Is there any best pet insurance for cats? I am considering the adoption of a 6 week kitten and a 2 year cat.? Is there any best pet insurance for cats? I am considering the adoption of a 6 week kitten and a 2 year cat.

Answer: Insurance is available for cats, and I think it's a great idea if you're considering younger cats. Since they have many years ahead of them, that leaves bigger possibility of some accident happening in their life that would lead to an expensive bill. There are lots of great companies out there, I would suggest to start with petinsurancereview.com as it's a third party site with ratings from actual customers for each company. I would highly suggest skipping on the "routine care" coverage for check-ups and shots as paying through the middle-man insurance company just costs more than paying directly to the vet for this type of care. The insurance companies that offer it charge you more so that they will make a profit or else it would be pointless for them to offer it. I like Trupanion for pet insurance. My dog is insured through them and I'm happy with the service. The rates are low and you can essentially set your price by picking your deductible. They cover 90% and they don't have claim limits (so many companies will limit you to like $1000 per claim, so if you get a bill for $8000 then what good is that insurance??). Definitely check around to find what sounds best for your needs!

Question: Should adoption be covered by health insurance if fertility treatments are covered? So I'm playing Devil's Advocate a little, but it seems logical to me. If your health insurance covers fertility treatments (mine doesn't though...), then given that adoption accomplishes the "same" goal (technicalities about where the DNA comes from accepted), then doesn't it make sense that the employer or the health insurance provider should also provide adoption benefits that match? A friend of mine can get fertility treatments totaling tens of thousands of dollars, but he can't get $100 toward adopting. Me... I can't get either. Any suggestions for convincing my employer of the logic here would also be appreciated. Just a couple of quick additions... Lots of employers provide adoption benefits. It's actually quite common, just not with mine. And the adoption tax credit is about $10k, but adoption can cost three times that amount, so it doesn't come close to covering expenses. Last, I'd argue that fertility treatments aren't really a health issue either. You won't *die* from infertility, and in fact, you won't suffer adverse health effects from infertility.

Answer: Our insurance covered a portion of our adoption when we adopted our son. It is a clause in the insurance called the "Adoption Indemnity Benefit" and it is in place ONLY if you are paying for maternity benefits. It is the insurances way to help out people who will not be using their maternity benefit that they are paying for. E-mail me with any other questions...we have done this before and are pretty well versed in how it all works! Just call your insurance customer service number and ask if you have the adoption indemnity benefit and how it works with your plan!! Good luck!

Question: How long after adoption of the "public option" will it take for the last health insurance company to go under? archer, i'm assuming for-profit will not be able to compete with non-profit and companies would choose non-profit coverage, this is all hypothetical.

Answer: Why do you assume that health insurance companies will go under? There is no firm plan in place (and passed by congress) to change the way healthcare is done. At present, the health industry is burdened down by unregulated pharmaceutical companies, unregulated testing by doctors getting as many tests done as possible to pad their wallets, and out-of-control healthcare lawsuits that force insurance companies to pay immense payouts for some cases but allow all lawyers to attempt to get huge settlements for anyone. Reform needs to happen and all of us are afraid that the changes will be worse than the current system. I just want something done for all the people who have no option to get healthcare insurance now.

Question: what is an insurance plan adoption agreement?

Answer: It is basically a written statement that supports whatever you purchased the policy for. For example if you bought life insurance for a buy-sell arrangement to purchase the other's interest in a business when one of the owners dies, you would want an adoption agreement to support what you purchased the policy for. it basically backs up in writing the rerason why the policy is being placed in force. It states the purpose. Hope that helps.

Question: Why don't insurance companies cover adoption leave? I'm adopting three children and they will be coming home next month. I understand that maternity leave is covered by disablity insurance...but why is it that because I cannot physically give birth they won't cover me? My thought is, if you cover maternity leave, you cover maternity leave, no matter what. Addition: Maternity leave is for recovery and to give you time to bond with your child before he/she is put into the hands of a caretaker.

Answer: This is just an opinion, but giving birth is a far different event then adoption. Maternity leave as you said is considered disability. Primarily for recovery time. Isn't it 6 weeks prior and 6 weeks after birth? I don't think Insurance companies think you need recovery time for an adoption.

Question: Should adoption be covered under insurance like pregnancy? Since the end result for both pregnancy and adoption is a child should healthy insurance have to cover the expenses? I am asking out of curiosity. And with adoption is the tax deduction the same as when one has a child naturally? And if not why? I was thinking of the one time adoption credit. What is that if you don't mind me asking? HappyMamaAnna: I wasn;t thinking that the the insurance would cover the pregnancy but it covering the adoption cost. I am thinking out loud. Like you said people have insurance that will treat their infertity problem but not the IVF. As you can tell this is a hypothetical question. All I know about insurance is that BCBS is a pain in the but to verify. It can take up to 45 minutes. And that a lot of doctor's offices are about to not accept them because of their huge adjustments.

Answer: As an Insurance Agent---NO, not with Medical Insurance since the adoptive parents do not have medical costs or any risks associated to the medical situation of Adoption. Medical Insurance is supposed to help cover medical costs and offer coverage to Avoid future medical situations. Such, as happened to me when it was discovered 22 years later the wrong sutures were used for my C-section. As an Insurance Agent I would highly recommend that people paying a lot of money to adopt especially domestic infant-- invest in Adoption Insurance which will help recover any lost investment due to a change of plans. In order to Have Insurance you must have a legal right to claim the losses of the Person or Property (an Insurable Interest) being insured and since Adoptive Parents do not have a legal right to the person or property being insured UNTIL it is Legally Theirs to Insure there isn't a method in the current Insurance Code to offer such coverage. You can't insure what isn't yours yet--so...there isn't anything to insure until you do. And the person with the right to insure the person or property before the birth is the person who is pregnant and will have medical costs. You can't buy Life Insurance on just anyone either--unless you have a legal right to insure the persons Life. I can Buy Life insurance for my minor Children but, If I want to buy it for my Father then he would have to be notified, agree and would technically be the owner of the policy. Also when it comes to Pregnancy the majority of Insurance Policies will Exclude coverage for a pre-existing pregnancy. So, even if it were possible to offer medical insurance for the mother of an unborn baby she would have to added to the policy before she became pregnant and well--that would open up a bunch of cans of something stinky. Other issues would come up, such as if the mother decided to parent after the baby was born Who would be liable for the medical insurance paid out? If insurance companies allowed this arrangement for coverage prior to the birth and still allowed the payments for coverage even if the mother chose to keep the baby--How Many People would be adding Pregnant woman to their policies and just saying it was a plan for adoption? It's also NOT possible to add a person to your Personal Health Insurance policy unless they are Your minor Children or under the age of 25 and attending college full time. My 25 year old Son who is out of college Cannot Remain on our health insurance and my old mother can't be added--so, why would a pregnant woman be able to be added? Since the medical Insurance would cover her and the adoptive parents are not the parents of the baby until the Judge says they are.

Question: Has anyone had a problem obtaining insurance because they don't have their medical history? I recently took a new job and the company provides life insurance benefits. When I was completing the paperwork, it asked for a great deal of medical history with regards to my bio parents (such as did either of my parents have cancer, etc.). I am fortunate to have the info on my bio-parents, but it started me thinking about whether or not they would give me the insurance if I didn't have the information to provide or if leaving the spaces blank would constitute fraud. I was just curious if anyone had experienced issues due to their adoption with getting insurance coverage.

Answer: Ironically, we had a similar concern with obtaining life insurance for our son. When we were going through the adoption process, the last thing on our mind was obtaining life insurance for our child. However, we did know that our son had a genetic disorder. My aunt (who has diabetes) told us that we should look into getting our son life insurance as a baby since she has had trouble as an adult obtaining it due to her diabetes. When we called our insurance agent, they told us that it was good we were calling at that time because as long as he was under one year of age, we did not need to provide any medical information and he would be qualified regardless of any pre-existing conditions. HOWEVER, and here's the kicker, in order to obtain the insurance, we needed to get approval from the ADOPTION AGENCY because the adoption had not been finalized yet so there was a concern that we had planned to harm our child and hence looking for insurance. Fortunately, we had the blessing of the agency and the bio family in doing this once we explained the situation, but it does make one fearful for children of adoption and their financial security for their families as they hit adulthood especially if they are diagnosed with medical issues that they don't even know run in the family. Thanks for asking such a great question.

Question: Adoption home study--insurance records? For a home study, will the social worker contact your insurance company in order to find out all the doctors you have gone to see and then contact those physicians and get a complete copy of all of your records?

Answer: It depends on whether or not you are doing a domestic or international adoption. For domestic: usually (I say usually because different home study agencies will have different requirements) there is a form that you have filled out by your doctor, who will perform a physical. He will sign off on the form based upon his knowledge of any conditions he knows you have, or anything he finds at the physical. They are usually not incredibly specific. For international, some countries have VERY specific physical requirements, and the physical performed by your doctor will have to include specific tests. At the same time - though no one may be verifying every piece of information, always be completely honest. If you were treated for or have a condition that your current physician may not be aware of - disclose it. (For example, I was treated for fertility-related depression for four months 9 years ago - you would still need to disclose something like that.) It's not something that would disqualify you - but hiding something or lying very well could. (Not saying that this is the case for you - just sort of throwing it out there.)

Question: Why do Repubs think you should have an abortion or put a child up for adoption if she doesn't have insurance? Is this the new "compassionate conservatism" we hear about? How many children do you think would end up being abused and shuffled around the foster care system--worse than it already is-- if women were forced to give up their babies for something everyone should be able to have and afford? Why should common people suffer and cause so many more problems for society because the Corporate Government, their shills and heartless/brainless minions prefer dog eat dog Social Darwinism? ***"you" should say "a girl"*** Many people end up pregnant, the deed is done, this is why she is having an abortion, "you should of thought of that when" ...it's too late for that, hypothetically, should she have an abortion for this reason as it seems Repubs would rather her do? Women many times opt for abortions because they don't have insurance, do you think that's a good thing? If you are republican, one would seem to think so. TJ: That's You're , not your. My goodness, Republicans are really stupid. halofan, you totally and completely missed the ENTIRE POINT OF MY QUESTION. So, I'm assuming, you believe your tax dollars are better spent raising the child in foster care than raising the child with it's mother who loves and wants it but needs that tax money for health insurance and perhaps some food for her baby? Are you a social darwinist? Do you want to punish "sinful" women? Are you brainwashed? Brian: "All", you are seriously delusional. What if they are black? Let's be realistic here, there are clearly not enough "loving homes", Do you know how many children are in foster care right now that feed off of tax dollars? As usual, you know not what you speak. funinthesun: If women stopped aborting, (and many do get abortions because they don't have health insurance), How many children do you think would end up in foster care after that? That's about a million a year you know. ...and almost half of that million are minority populations. You REALLY think there are enough homes in America for that? You people don't think strait.

Answer: You and people who think like you miss the one critical point on issues like this. Socialized, subsidized, or whatever you want to call it, health insurance is paid for by the hardworking, responsible people of this country. If our taxes pay for irresponsible child-producers, then we're not getting some benefit we would otherwise have had. You talk about children suffering and politicians that don't care. When will blame be put on the idiots having children they can't afford? When will we stop incentivising bad judgment? When will we say, "Hey, you, single parent on welfare with 6 kids, don't have another one or we'll sterilize you?" Where does it end? Won't these kids need rides to school and activities? Should we start providing transportation as well? Big Government sucks. And all you liberal-minded thinkers can do is come up with ideas to make it bigger. Are we all so stupid that we'll need help from the Govt for eveything? Will there be legislation telling us when to brush our teeth? Common sense is being replaced by laws, people. Ambition is being replaced by handouts, people. Personal responsibility is being replaced by lawsuits, people. Don't any liberals see a problem with this? Wake up, for crying out loud. One day, the people with their hands out will comprise 75% of this country. THEY are the ones having 4+ kids. The hardworking, responsible people are having fewer and fewer. So what happens when the 25% can no longer support the 75%. Hint: it's bad.

Question: Will health/medical insurance companies help with adoption costs? They would put out the money if the insured had a birth in a hospital........so I'm just wondering if it's possible to help with costs...

Answer: NO! The birth mother is not the insured, the adoptive mother (who is the insured) isn't incurring the medical cost. Generally, insurance doesn't pay that kind of stuff. Geez, no wonder my darned insurance premiums keep going up as people try to get junk like this covered. The adopting family better have the money to pay for that stuff or adopt through a recognized agency, go for a subsidized adoption, and have them pay for it. It's tax dollars and, again, those of us not adopting are helping pay but...

Question: What are the pros and cons of step-parent adoption? Although step-parent adoption allows a child to be eligible for everything that the step-parent's biological children can receive (inheritance, medical insurance and the like,) there are also downsides. For example, if a couple divorces, the former step-parent, now parent, is subject to everything any biological parent must follow. This includes child support, possible continuation of medical coverage, continuation of inheritance rights. What problems may arise if this parent now feels that since this isn't his/her biological child, why should s/he have to continue these requirements of parenthood. The ultimate problem can be that this adoptive parent may rather give up parental rights in order to "divorce" the child, since s/he is divorcing the natural parent. Marina, you're right, it should be that way, but sadly I've heard of some unfortunate cases where parents have given up parental rights to an adopted step-child when they've divorced the child's biological parent. Very sad.

Answer: The pros and cons will vary in each and every situation, so it's really hard to make generalized statements. That's why every adoption decision - step parent or otherwise - needs to be made carefully. Most of the cons you will find are for the adoptive step-parent, and almost all of those include divorce situations. That is why the adoption of the child needs to be a seperate decision from the marriage. You should not adopt a child just because you married the parent. Step-parents have many rights including the ability to cary the child on medical coverage. You can also stipulate inheritance in your will without need to adopt. However, step-parents do not have ALL the rights to a child that a biological parent (or adoptive parent) has. The most important one is a right to parent the child if the marriage disolves or the step-parent becomes a widow/widower. For example, my decision to try to adopt my former step-daughter was a commitment I was ready to make to HER, not to her father. Unfortunately, we were unable to get it accomplished before my ex had his little breakdown and left us (by us, I mean me, his daughter, and our son). Because I hadn't been able to adopt her, and I was no longer technically her "step-mother" (by right of no longer being married to her father) I was unable to care for her properly. At any moment I could have been accused of kidnapping by either my ex or the biological mother (even though that wasn't true, I hadn't taken her anywhere - my ex had LEFT her with me). More importantly, while I could have insured her under my insurance since she was living with me and I was the primary caregiver, I could not have gotten her medical attention because I was not her parent. That is a rather important barb in the law. In some states step-parents can sign medical authorizations, but not always, and usually only in an emergency. I always had to carry with me a document signed by my ex saying I was authorized to approve medical care for her even when we were together. I also could not sign her up for school because to do so required a copy of her birth certificate, but only her parents are authorized to request one. In short, because I had not yet adopted her, my hands were completely tied. What makes my situation rather sad is that NEITHER PARENT WANTED HER! Her biological mother hasn't seen her since she was 15 months old (she's now 6 and a half, and was over 3 at the time this all happened) and hasn't had custody of her since she was 10 months old. Her father walked away without a second glance, he truly had had a mental breakdown and though he was another person. I was forced (not legally or through threats, but by virtue of it being the only way to get her what she needed) to turn her over to her paternal grandparents. They had raised her before, from about 13 months until just before her second birthday when my ex stopped traveling for work and settled down with me. They had power of attourney for her father, and they could get her the services she needs. I still don't think that severed my obligations to her however. After all, if I was ready to be a parent to her, then just because the papers weren't signed doesn't meant I can just walk away from her without a second glance. I walk a delicate balance with her grandparents right now. There is a large LARGE amount of awkwardness, but I still visit, and try to buy some clothes and things like that when I can. I put her on the waiting list for a state program that has finally kicked in, and provides her medicaid services, therapy, and respit for her grandparents. I would be willing to do more - but as I said, it is a delicate balance. A step-parent who truly wants to be a parent to the child should definitely adopt a child. A step-parent who is only adopting a child out of "duty" or to make things "easier" should not adopt the child. One day the sence of "duty" may no longer be there, and it may cease to be "easy" if your marriage fails. An adoption is not an agreement with your spouse, it is an agreement with the child, and should be treated as such. That being said, step-parent adoption should ONLY take place with the original parent (biological parent) is either completely out of the picture, or very nearly. It is not right to try and replace a biological father or mother who is still trying to pull his/her weight with the child, and is just not living with the child because of divorce etc. Many children these days have two very good parents, even if the parents no longer live together. It is not right to sever that connection in order to make a pretty picture through step-parent adoption. However, if the biological parent is pretty much out of the picture (even if he/she is paying child support), if the child doesn't know who that parent is or sees them less frequently than once a year, then step-parent adoption is a wonderful thing. Every child deserves to have two real parents, and if a step-parent is that other real parent, then adopting the child is the right thing to do. On the child's side, a step-parent adoption has very few downsides. The only time it would become a "downside" is if a previously active biological parent was forced out of the picture so the step-parent could adopt. For the biological parent who will retain custody is married to the adopting step-parent there are very few downsides. You will no longer get child support, of course, and if you divorce you will have to go though ANOTHER custody arrangement with the new father. However, if you truly love your kids and believe the step-parent to be a good parent, then it should be worth the risk to make sure your child has two loving parents. Also, it is important to realize that if something ever happens to you, right now your child would go to the other biological parent who he/she probably doesn't know very well (at least, probably doesn't if you're considering step parent adoption). If you let the step-parent adopt, that means your child would be able to stay in their home, with their siblings if something every happens to you. Again, I can't stress this enough, EVERY adoption, even step-parent adoption, is an agreement between the parent and the CHILD. It is not an agreement between two married adults. The responsibility does not rest with the marriage it rests with the CHILD! Do not adopt, as a step-parent, if you do not understand this, accept this, and most of all WANT this.

Question: Will travel insurance cover us if we cancel because our adopted baby is born? We are in the adoption process, waiting for a match with a birth mother. We could literally get a call today that says "a baby was just born, come now" or it could be that the mother is 4 months pregnant and we have some warning. Needless to say it is hard to plan anything. A relative has offered to send us to Costa Rica for a week. We are hesitant because we may have to cancel the trip at the last minute. Would travel insurance cover this?

Answer: I tend to think not. Read the travel insurance policy and see whether it lists this as something that it covers. If it does not say that it is covered, then it is not covered.

Question: I am adopting. I recently found out my disability insurance does not cover adoption. can I work while on fmla? I commute over an hour away from home to work and I don't receive disability.I pay for aflac. since my disabilty coverage does not cover me because I am not actually giving birth, I took the effective teacher training so I could sub closer to home while I was out and it would not be as demanding . But I was told that I could not work while I was on FMLA. I would continue to work my primary Job if it was closer and I work over 45 hours a week .

Answer: Yes and no. No you may not work at an alternate job while on FMLA however, you may work at your employer on a reduced schedule. Be careful what you do, you could lose your job. The employer is within their rights to higher a PI for investigate FMLA fraud. Best wishes to you and your family.

Question: How do shelters check where you live? I don't want any adoption problems!? I'm going to adopt a kitten from a rescue. A few months ago I moved from an apartment to a house that my fiance owns(he used to be one of my roommates). I had my driver's license, town sticker & insurance information changed to the new address, but I've still got credit card/bank account stuff that goes to the apartment where I lived My best friend is still at the apartment address and forwards my mail. I haven't gotten around to getting everything changed yet. We want to go looking at kittens this weekend, but a friend warned me that I could have adoption problems. Can this be true? Exactly how do shelters go about verifying that a person lives at a certain address? Is there some place on the internet they check and can I go to that site and check if I've changed enough address information that the shelter won't not give us a kitten because of this? Help please.

Answer: when you first go into look at the kittens, casually mention to the person showing you the kittens that you recently moved and that not all of your stuff has been switched to the new address...at the shelter where I volunteer, they only check your drivers license, however any problems that might arise will not because by mentioning it at the beginning you are being up front with them I doubt you'll have a problem, most of the shelters where I've worked are so over run with animals that they don't do a very extensive background check at all, however I have found that they do more extensive background checks when you try to adopt off of petfinder.com than they do if you adopt straight from the humane society you won't have any problems as long as your license has your correct address, and just to ease your mind, you should mention the recent move to them upfront

Question: what kind of insurance will my newborn need and how much will it cost? im 17 i live in ks and still in high school and if i choose not to give my baby up for adoption ill have to do everything by myself cuz the father doesnt want anything to do with it.so about how much will i have to pay for my baby's insurance.it just needs health insurance right?idk tell me what i need to know lol

Answer: Ask your mom if you have insurance and that should cover you. If not you can always go to your local health and human services department.

Question: if i waive insurance through my company, can i sign up upon the birth of a child? i know you can make changes to an insurance plan you already have upon a "life changing event" occuring- marraige, birth/adoption of child, etc. If i choose to waive my insurance for the plan year will i be able to sign up if i have a baby?

Answer: No, because you flat out declined coverage. You have to HAVE coverage, in order to CHANGE it. And the only change you can make, is adding on a new child.

Question: Has anyone took advantage of ShelterCare gift policy after a new adoption? We have a new cat who has an upper respiratory infection and I was hoping I could use the insurance that was provided (Sheltercare). He was at the vet on Monday but this came on all of a sudden. Any help would be great!

Answer: I don't think the shelter will help you in this case .

Question: What kind of financial assistance can I get while I put my baby up for adoption to help pay for monthly bills? I can't work and I'm living with my sister and her husband and they can't afford to keep me up. I want to work but I am nearing 8 months and I just need some money to help. I am on foodstamps and I have insurance through the state, but that only feeds me. And they also have two children of their own to take care of. They are also the only family I have to turn to.

Answer: Oh sweetie -- the way you worded your question sounds as if you are selling your baby. LOL It's a tough situation you're in. There are things you can do -- though it may sound old fashioned. If you sew, make things to put on consignment in your local quilt shop or craft store. Help with chores for your neighbors or the elderly for a small fee, like make a few meals, do the wash or just garden. If you type offer to do resumes and such.... Good luck.

Question: Does it cost money to put a child up for adoption? Like doctor visits and medical expences, would my insurance have to know?

Answer: Typically if you are pregnant and have medical insurance, your medical insurance should cover your medical expenses. If you do not have insurance, the agency will discuss the options with you. In some situations, adoptive parents could pay or contribute to medical expenses, but it is very important that you discuss this with an attorney or adoption agency as most states have rules and regulations with regards money exchanging hands in adoption procedures with bio and adoptive parents. Good luck to you.

Question: Do foster kids get health insurance? Any insurance? suppose a adoptive kid w/ parents w/no health insurance. the adoption gets dissrupted and now they live in a foster home.

Answer: There is a HUGE difference, legally, between an adopted child and a foster child. If the child is not yet adopted, most likely they have insurance through the state childrens health insurance program - which will follow them to ANY foster home, until an adoption is permanent.