Children’s Health Insurance

Health insurance has been a hot topic off and on for decades. It is a necessity for some and for others it may seem like a waste of money or time. Why pay monthly for something you may never need or use at all? Why pay monthly for something that will only request more money later and leave the money you paid in to begin with lost to an insurance company? These questions and more plague many individuals when the concept of health insurance is explored. The reality hits when a child enters the picture. It’s one thing for an adult to choose whether or not health insurance is something they need or want. It is an entirely different matter when it is a child. For this reason, many parents will choose to avoid health insurance themselves and obtain health insurance for their child. The problem is what children’s health insurance is best?

Medicaid

Medicaid is a form of health insurance that covers pregnant mothers and their unborn children. Medicaid will extend, based on income, to the child and only the child after birth. Medicaid offers advantages and disadvantages. The largest advantage is if the parents do not have a high enough income to support standard health insurance policies, then Medicaid is there to help. The disadvantages are the types or level of care available. Though every child on this form of insurance will receive care when needed, there may be restrictions or only certain locations that will allow the child to be seen. For example, the child may have to be seen at a clinic by a nurse practioner unless there is a major issue. This is in lieu of seeing a physician or pediatrician that would normally be allowed on other forms of insurance.

Low Cost Insurance

Florida KidCare and AlaKids of Alabama are prime examples of this type of health care option. This form of children’s health insurance is a step up from Medicaid, but still has restrictions. If you are a low income family you may automatically qualify for this health insurance. This is only for children and does have a small monthly premium, usually around $15. The restrictions may not cover referrals, major medical or other medical conditions that standard insurance policies would gladly help you take care of.

Standard Major Medical Insurance

Standard major medical insurance is the type of insurance that is commonly considered when health coverage is an issue. Major medical insurance for children is offered through Blue Cross Blue Shield, UnitedHealthcare, Humana and other health insurance companies. This type of insurance is more expensive and will have a higher premium than other forms of health insurance. You may find it difficult to have health insurance on just a child, however, most major insurance companies will have policy plans that will fit your needs. You will need to pay a monthly premium, deductible and possibly full prescription costs. The advantage to this type of children’s health insurance is in the benefits should a catastrophic illness occur. The last thing any parent wants to think about is insurance coverage when their child is diagnosed with a long term illness.

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