Health Insurance For Kids

If you already have health insurance, your kids are possibly eligible for coverage under your plan until they are 26 years old. Nevertheless, if you have a plan that can’t cover your children or you are going through financial hardships at the time, you still got several options.

It’s crucial you remember that health insurance can be purchased via the healthcare marketplace during open enrollment. If you missed open enrollment, you need to explore other options commonly offered through a private insurer.

There are many health insurance options available for kids. Some insurers will cover preventive care through an in-network provider. Services such as annual checkups, screenings, vision, and immunizations, may be excluded. Also, children suffering from a pre-existing condition can’t be charged more based on that illness or condition, which can help keep the cost low if you need to make frequent visits to the doctor or need prescription drugs.  

When it comes to finding health insurance for children online, you can search in the Health Insurance Marketplace site. Several states have their own exchange. Some private insurance companies provide their own medical plans through Insurance Line One. You can compare these plans and choose the right one for you with the help of a licensed insurance agent.

Financial assistance may be available to you based on your household size and income. You may also qualify for the Children’s Health Insurance Program (CHIP) or Medicaid. This is a government-sponsored program that provides health insurance for kids at a low cost or it may also be free of charge. The requirements to qualify for financial assistance or CHIP change every year, so you should keep up to date with federal guidelines. At times, you may not qualify for a specific year, but may qualify for the next.

Short-term health insurance is also available, which can be purchased at any time throughout the year. It can be affordable, and some may approve you in just 48 hours. However, these plans may not be available on every state, may not take kids with pre-existing conditions, and the benefits may be limited.

Cost-sharing services are another option. These plans are faith-based medical cost-sharing services that cover most medical problems, but they don’t cover pre-existing conditions, especially during the first year you are on the policy.

Applying for health insurance through the marketplace can be done online, over the phone, or by filling out a form. Information such as your Social Security, employment, and income, and your current health coverage will be requested. Under some circumstances, some parents may be eligible to purchase health coverage through the marketplace while children aren’t.

Once you have signed up for your plan and paid your premium, you can start receiving coverage. You will receive a card with the policy number and other relevant information. If you need to go to the doctor before that, call your insurance provider to make sure you are in the system. Make sure that your doctor is in-network, otherwise you may end up paying full price.

Whatever you do, keep your kids healthy. Study your options and take action. Request a health insurance quote today!

Sources
  • https://www.medicaid.gov/chip/index.html

  • https://www.benefits.gov/benefit/607

  • https://www.insurekidsnow.gov/coverage/questions/index.html

  • https://kidshealth.org/en/parents/buy-health-insurance.html

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