The Layman's Guide to Affordable Children's Health Insurance
If you’re a parent, you know what it’s like to be
worried about your child’s health. Health insurance is important
for everyone, but especially for children, who get unexpected
ailments and have accidents on a regular basis. With insurance
premiums rising, it’s hard enough to find a good individual
insurance plan, much less a family one. Thankfully, all states
now offer children’s health insurance.
Depending on where you live, you
might have to qualify for a specific income bracket, but in
general, low cost insurance is available to the children of
almost all families who make too much be covered by Medicaid.
If your income is very low, your child’s insurance may even be completely free. Lack of awareness
about their eligibility prevents many families from enrolling
their children in one of the state children’s health insurance
These programs began in 1997, and
have been responsible for reducing the number of uninsured children
in the United States from eleven million to under eight million.
Efforts are continuing to get the rest of these children insured
as soon as possible. If you think that you might qualify, be
sure to check with your state’s
insurance board and children’s health insurance program
to find out what the eligibility requirements. Your children can
be insured for a very small amount of money. For example, in Texas
all the children in your household can be insured for fifty dollars
or less every six months. The exact rate depends on your income
and how many people are in your family.
Each state maintains a web site for
the children’s health
insurance program. You can find information about what services
your family will qualify for there, as well as applications that
you can download and send in. Middle class families who didn’t
qualify for Medicaid used to have trouble insuring their children.
If they didn’t have a family plan through work, they might
have to buy costly individual policies. The state children’s
insurance programs stop this from happening, and allow families
to maintain coverage for their children.
You can also, of course, maintain
coverage for your children through your employer’s group insurance plan, or find special
individual plans meant for children or get affordable health insurance yourself.. These may provide more coverage
than the state children’s insurance programs, but are also
more costly. You can ask your insurance agent about plans to cover
your children, either through a family plan, or individually.
If you choose to use this avenue, you may find that comprehensive
family plans are helpful, since they prevent you from having to
worry about what your insurance will and will not cover.
There is a wide variety of options
available for people who need to find health insurance for their
family. Between family plans and state children’s insurance plans, you won’t
have to worry about what will happen if your child gets sick
or has an accident. Insurance is an important safety net for
you and your family. Be sure that your child is insured.