baby bills and insurance

**fmylifegirl** · 11-06-2011 12:15 PM

we have blue cross blue sheild. im 16 so underage. would the baby be allowed to go onto my parents insurance? If it can would I have to sign the baby over to them..? I really don't want that.
Our other option is medicaid. I dont like that one either. Medicaid asks too many questions about the father and its scary having the government come into your business. They also need my school records which is fine but we dont want my school knowing im having a pregnancy cause theyd send me to a different school until its done with. i dont want that at all or any one just knowing in general.
I want the baby under my name not the fathers because its easier that way. his family isnt an environment or good people that i want watching my baby or sharing it with. i want the father involved but not his family and he agrees. its going under my last name and he wont go on the birth certificate so that its harder for his family to fight if they do want to once they find out. I also want to be the parent AND guardian, not my parents because i want to have the final say on what goes on with my baby. i trust my parents but id feel safer having it under my name. if i have to sign it over to them for insurance reasons id be devastated because it is my child. i dont want to wait until im 18/19 to get her back.
Can we have her on my parents insurance? and would i have to sign her over or not?

**Little** · 11-06-2011 01:29 PM

I don't believe you would have to turn over any rights if you put the baby on your parents' insurance. BCBS (of Alabama, specifically, though I don't live there,) is the insurance I use, and depending on your plan there is a percentage of every doctor's visit and procedure that you will have to pay. Compare that to state-funded health care, where you generally have to pay nothing. These programs exist for the needy, which it sounds like you are - so take advantage of it. The co-pays for your child's care could get into the thousands of dollars!! At least start up the application process. If they ask you questions you're not comfortable with, let them know - you may not have to answer every question.
Congrats to you for wanting to take full responsibility for your child no matter what. You sound like you will make a fantastic mother!

**BugSauce** · 11-22-2011 08:13 AM

Most likely the baby will be covered on your parents insurance until you are no longer a minor. Call their 800 number and ask. There is no reason to sign your baby over to anyone.

You won't qualify for medicaid, but your baby may. Every state/county differs a bit. When they ask about the father you can tell them "I was at a party, I didn't know anyone except my girl friend I went with, I have no idea and haven't been to that part of town before or since" It may make you seem like a , but their job is not to judge and it will get them off of your back about that. If you're in the US and the school tries to make you go someplace else because you're pregnant you can sue them for discrimination. Although they will find out eventually and if kids at your school tend to be mean you may or may not want to opt to go to a different school to avoid it.

You can put anyone (or no one) as the other parent on your babys' birth certificate and use any last name. This will NOT make it harder for his family to fight for visitation. All they have to do is ask the court for a DNA test and voila! His parents have visitation rights! This would probably happen regardless if his name is involved or not (if they were interested in filing anything through the courts)

You have EVERY right to be parent AND guardian to your baby. I strongly suggest NEVER signing your baby to ANYONE unless you're prepared for it to possibly to be FOREVER. After calling your parents insurance 800 number to get answers, also call medicaid, and ask about the insurance issue, ask them "I'm under age and if my parents insurance won't cover my baby, what are the possibilities of him/her qualifying for medicaid?"

My mom signed me over to her parents when she joined the military, and they took off with me. So where I realize that is not usually the case, it is still a real possibility.

Good luck and congratulations!