With health-related contingencies on the rise, getting health insurance coverage for children has become a necessity. For millions of Americans, such health coverage is provided by Medicaid and the Children’s Health Insurance Program (CHIP). These programs benefit not only children but numerous low-income individuals, families, people with disabilities, pregnant women, and even the elderly by providing free or cost-effective health coverage. Check out if you are eligible for availing the benefits of Medicaid or CHIP based on your income.
As a parent or a guardian of a child, the first thing to consider while looking for child-only health insurance is whether you qualify for CHIP or Medicaid coverage. Make sure to explore these two options before you start checking out the plans offered by all those insurance companies that flood the online marketplace.
If you do not want to miss out on the health insurance subsidy benefits, ensure to buy health coverage through state-run or federal exchange. You will have to forego the advantage of a subsidy if you end up buying a health plan straight from an insurance company.
While some child-only health plans described here do offer insurance coverage for vision and dental care, not every plan does so. If you are looking for an insurance plan that provides coverage for these health aspects of a child, carry out thorough research. Do not hesitate to clear all your doubts before making a final decision.
Keeping your child secure in sickness and in health
A short term insurance plan is perfect if you want to ensure temporary health coverage for your child or a dependent. Such a plan can act as a stop-gap arrangement until your child comes under the health insurance coverage offered by your employer. You can also consider a short term health plan if you need dependent-only health coverage until the next Obamacare open enrollment period.
If your child requires an ACA-compliant long term health plan, then opting for major medical insurance is the best option for you. While such health cover plans for children may not be the most cost-effective solution, they do ensure minimum essential coverage.
You can avail of the Children’s Health Insurance Program for your child if your income exceeds the financial limit for Medicaid. But at the same time, your income should not be enough to be able to afford a family or individual health coverage plan through a state-run exchange, healthcare.gov, or any of the insurance companies operating in the private marketplace.
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