Finding health insurance for your children

By: Edward Neeman | Published: January 04, 2018

advice

Having healthcare is important for maintaining good health. Whether the healthcare is a child, teenager, or adult, this sentiment rings true. However, it's more important to have your children covered because they undergo more than parents realize. For example, every time your child enters the classroom, they are exposed to a surplus of germs and bacteria. It's also important to make children have access to the necessary healthcare they need to grow, such as vaccines, checkups, and physicals, which is why finding health insurance for your child is so important.

Health Insurance for Children

When it comes to obtaining health insurance for children these days, there are many options. For low to moderate level income families, parents can apply for government assisted health insurance for kids. Otherwise, parents can have children covered by their insurance through their jobs or self-employment.

Can your Child be on your Health Insurance Plan?

It's established that your child can be on your insurance plan. However, in some cases, the parent may not be able to pay the extra fee to add on their children. If and when this occurs, the child may still be able to have government-issued healthcare. Some parents have found that its best to purchase health insurance for children only. Today, many major health insurance companies like Humana and Blue Cross Blue Shield offer health insurance for children only. Other than that, now your children can be on your insurance up until a certain age.

How Long your Child can stay on your Health Insurance Plan?

Under Obamacare, more formally known as the Affordable Care Act, children can now be covered under their parents' plan until the age of 26 years old. This is true for those who are still dependants. Young adult children up to the age of 26 can also be joined or remain on the parent's healthcare plan even if they are not living with them, the child is attending school, the child is married, he/she is not financially dependent on the parents, and even if the child is eligible to enroll in his/her employer's plan.

Where to find Health Insurance for Children?

Find health insurance for children is much simpler today than it was in years past. The web provides countless resources for you to review health insurance plans for kids, different health insurance companies, and pricing. If purchasing health insurance for kids, a plan with a high deductible that has office-based and richly preventive treatments are the best ones to buy. However, there are other valuable choices. High-quality plans will have annual physicals and quarterly well-child baby visits.

Cheap Health Insurance Options for Kids

Obtaining cheap health insurance for kids doesn't mean it's of lesser quality. In many cases, cheap health insurance for kids will have the basics needed for children's optimal care, and it may allow some extras with co-pay required. Through the Affordable Care Act (ACA) of 2010, more options are now available than before previously healthcare laws. The ACA requires that all health insurance coverages would have ten essential healthcare benefits available when seeking care from a provider in that plan's network. For cheap health insurance for kids as well as for other people, the ACA's essential benefits include vision care, dental care, vaccinations, well-child visits, and immunizations.

Health Insurance Quotes for Kids

When it comes to obtaining quotes for health insurance for children, don't waste several frustrating hours to attempt to find the best rates. With First Quote Health, you will get the best rates and best coverage possible for your loved ones in moments. All you have to do is to put a few viable information on this site, including zip code and to click on "my family" or "myself". From there, you will be redirected to another page or two to answer a few more questions, and that's it. All you have to do at that point is to wait for agents to call/email you. You will also be presented with an array of health insurance choices once you complete First Quote Health questioning.

What if you can't Afford Health Insurance for your Kids?

You may be surprised at how affordable health insurance plans for kids actually are. First Quote Health can provide you with health insurance quotes for just about any budget, and adding a child to your plan may be cheaper than you think. 

However, if buying health insurance is completely out of the question, then you may be eligible for financial assistance. There are plenty of government programs that can help with providing cheap and quality health insurance for kids only. 

Your Kids may qualify for Financial Assistance

As of 2014, financial assistance has become available to assist families in paying your premiums for health insurance. The assistance amount you can retrieve depends on the household income and the number of people in your household.

Children's health insurance Program (CHIP)

The children s health insurance program (CHIP) is low-cost health insurance for children in families earning too much money to qualify for Medicaid. The children s health insurance program is offered in each state. This is health insurance for children that works closely with the state's Medicaid program.

When it comes to obtaining quality health insurance for kids, the sky is the limit. With the ACA, the children s health insurance program, health insurance through the parents' employment/self-employment, or health insurance for children only, more children and young adults can be covered.

Term of the Day

Deductible

A deductible is the amount of money that you pay to a health insurance provider before your insurance coverage kicks in. Until you meet your deductible, your insurance provider will normally not cover some or any of your expenses.

Health Insurance Glossary