Getting health insurance for kids is one of the necessary evils of life, right up there death and taxes. But you have to get health insurance for your child in order to have any hope of paying the outrageous cost of child health care in America. Many illnesses and severe medical conditions can be prevented through regular medical check ups in childhood, which is why you can’t skimp on child health insurance plan.
Do I Have To?
If your child becomes very ill with a medical condition that could have easily been prevented by going to a doctor right away, then you will be arrested for endangering the life of a child. Even if you hate your kid so much that you won’t take them to a doctor regularly, getting health insurance for the kid will save your sorry butt from going to jail. If that’s not enough of an incentive for you to look into a child health insurance program, then at least do the rest of the world a favor and get yourself sterilized.
Your Child May Be Eligible For Free Care
Although there are 47 million Americans who can not afford health insurance, most of them are adults. This is because America loves children more than they love adults. Let this complete lack of logic work to your kids’ benefit when looking for a child health insurance plan.
If you have a doctor, then ask your doctor about health insurance for your kids. The doctor of the doctor’s staff can usually refer you to organizations that can help you out. If you don’t have a doctor, then check with your state laws through your local Welfare department. It’s no shame going to Welfare for help.
If you have internet access, go to Insure Kids Now, (http://www.insurekidsnow.gov/ ) which is part of the US Department of Health and Human Services. This is the most comprehensive list of low cost child health insurance programs in America.
Select your state on this website and you will be taken directly to low cost or even free child health care programs in your area. For example, if you live in Pennsylvania, all children (whose families fall in certain income brackets) are eligible for CHIP (Children’s Health Insurance Program).
Then What?
Then you need to apply for your state’s low-cost child health care program or (if you make too much money) check with your health insurance program at your job or in your area. They often have special programs just for kids. Set aside a good couple of hours to fill out the forms at your leisure. Be as honest as possible.
Some private health insurance companies will try to sell you child health insurance. There are very few advantages to child health insurance. Most people don’t need it.
Good child health care plans include:
Doctor visits
Immunizations
Emergency hospitalization and ambulance rides
Prescription medicines
Eyeglasses
Dental visits
You will only get your child health insurance quote after the applications are in. The cost for all of this differs from child to child.
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