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6 Answers

If your parents are not legally here? Health Insurance?

Asked by: greekgoddess 413 views Pet , , , ,

Please keep the rude comments to yourselves, i could care less on how wrong you think that my parents are illegally here. Just answer my question if you can. So my parents are illegally here, me and my sister are on a two year work permit, which allows us to work and study, we get social security, State ID and we can get our license. We are planning to apply for work and get health insurance through them, but the thing is, if we get fired our health insurance benefits will no longer continue, the thing is we are trying to get braces, and they usually last two years to get them straightened out, so we will need our insurance until then, we were thinking of getting an individual insurance, but it says we have to be at least 18 or 19 to apply and legally here. Its supposed to be your parents that take care of this stuff, but our parents are not legally here. What can we do? We are planning to BUY it, and pay for it, my sister will be 18 in five months and i cant wait that long, and im 16. Any suggestions?

Thank you.

6 Answers



  1. Wack on Dec 09, 2012

    You will have to wait until you’re legally of age – 19 in most states – to buy your own private dental insurance. Keep in mind, most private dental insurance does NOT cover braces. When it does, it usually pays AT MOST, 25% of the cost. You STILL end up paying the majority of the cost yourself. Might as well find your orthodontist and pay for braces yourself – however, as a minor, the orthodontist still won’t treat you, without the consent of your legal guardian. So there’s going to be a wait for you, either way.

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  2. theextremeenigma on Dec 09, 2012

    Health insurance does not cover braces. You cannot use health insurance for braces. If health insurance is the only insurance that you get, then you will have to pay for the entire cost of the braces yourself, using only your own money, without using any insurance.Some dental insurance plans cover a small part of the cost of braces. However, you will still have to pay for most of the cost yourselves, because no insurance pays most of the cost.Individual health insurance is no longer sold to 18-year-olds. Currently, a person has to be 19 or older to buy it.Pay for the braces yourselves, using only money, without using insurance.You should get health insurance when you turn 19, for other reasons, but not because of braces.

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  3. Nancy on Dec 09, 2012

    Here’s your problems:- a 16 year old can’t get individual insurance- dental insurance will pay a very small portion of braces AFTER you have 1 year of coverageBut the GOOD NEWS = your parents are here illegally. They are earning money somehow and not paying taxes on that money. So they can easily use the money that they should be paying to taxes to cover the cost of your braces.

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  4. curiouscanadian on Dec 09, 2012

    Immigration status has nothing to do with it. You can’t buy a dental insurance policy that covers braces where it makes sense. In other words, we sell a policy that covers $450/year for braces, but it’ll cost you that much for the plan.You pay cash for the braces.

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  5. DODoubleG on Dec 09, 2012

    Insurance hardly ever covers much of the cost of braces anyway. And it’s not your regular health insurance that pays for them, it’s your dental insurance, which is separate, and is an additional cost. You’ll save money by just paying for the braces in cash, rather than buying insurance.

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  6. boystownhotline on Dec 09, 2012

    Health insurance isn’t going to cover braces anyway. This is an ‘out of pocket’ expense. Your parents can easily pay this expense if they so choose. There are no laws concerning the source of the payments for braces.

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