Protecting Children With Affordable Health Insurance For Kids

Protecting Children With Affordable Health Insurance For Kids (1)

Healthcare is out of reach of many American Children and those who are covered enjoy few benefits. If your kid’s are left out of insurance don’t worry as there are some inclusive programs and some that are specifically made for kids.

Medicaid is targeted towards families with limited income including children and pregnant women. This program covers both U.S citizens and lawfully admitted immigrants whose parents may not be legal. On the other hand there is the CHIP program that covers all children under 19 whose parents earn too much to be admitted to the Medicaid program but cannot afford to pay for insurance. In most cases a family of four with income of up to 48,500 per year qualifies.

How to find a health care provider who accepts Medicaid or CHIP

· Contact relevant agencies in your state to find information on registered healthcare providers.

· Ask the current doctor whether they accept your health plan and if they don’t, try finding one who does.

CHIP and Medicaid eligibility

Enrollment period is unlimited for Medicaid or CHIP and coverage begins immediately for those who qualify. You need to fill out an application form to find out whether you are eligible or make a call to the state health department. If anyone in your household is disqualified this information will be sent to the relevant state agency who will contact you.

Protecting Children With Affordable Health Insurance For Kids (3)Parents, guardians and authorized people can apply for Medicaid or CHIP on behalf of children but there are some exceptions to this rule. Where the state allows it, teenagers living alone can apply on their own behalf. Parents, guardians and authorized people are allowed to apply for Medicaid or CHIP on behalf of children but there are some exceptions to this rule. Where the state allows it, teenagers living alone can apply on their own behalf.

Coverage might differ from state to state but routine checkups, immunization, prescriptions, doctor visits and emergency services are all covered in all parts. CHIP coverage is free in most states but there are some who charge a monthly plan. However, the amount you pay in this plan shouldn’t exceed 5% of your family’s annual income.

Marketplace insurance for kidsProtecting Children With Affordable Health Insurance For Kids (2)

You might choose a private insurance plan for your kids but that will only add to your health insurance costs. Children that are eligible for CHIP don’t enjoy any savings on marketplace insurance.

With so many affordable options, kids can enjoy premium insurance services that guarantee their safety despite their family income. It is easy to find out if you are eligible by visiting the official government health website or relevant state agency.