Child Only Health Insurance Plans

Planning to Buy Health Insurance for Children?

The moment you think, “I need health insurance for my child” you need to get kick started with exploring your options. There is online help available to make your effort a success. You may have several alternatives to choose from, the most important of them being “The Children’s Health Insurance Program” (CHIP). Besides, even Medicaid and private child health plans can be accessed to cover your children’s healthcare needs comprehensively.

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Get the Best Child Health Insurance Plan Online

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Child only health insurance plans provide coverage to children only. Adults are not covered under the contents of such policies. It may not be easy to tell what exactly these plans cover as those look to buy affordable health insurance for child only do so in two different methods. However, you can get some idea about what such policies are most likely to cover.

One of the ways to get health insurance just for child is to purchase a plan through private insurers in marketplace. The other method is to buy an ACA compliant child only healthcare policy through the state’s health insurance exchange. CHIP and Medicaid are two glaring examples of government aided plans that meet ACA requirements.

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Things to Consider for Child Only Health Insurance Plans

Before you are out to buy best health insurance for children, it could be vital for you to know what all present day children healthcare plans cover. Typically, such policies offer coverage for regular baby check-ups, sports injuries, school screenings as well as some types of immunizations. The main purpose of buying a children’s health insurance plan is that such a move enables you to protect your finances should your child fall ill or meets with an accident and needs urgent treatment or surgery. Here is some information relating to two of the best plans sold in the market.

  • HMO - Allows usage of in-network medical services with certain exceptions for emergencies only.
  • EPO - Coverage is similar to HMO and no referral from primary doctor is required for seeing specialist.
  • PPO - These plans are much cheaper and visiting out-of-network doctors is allowed.
Reasons to Buy Child Only Health Insurance Plans

Rather than waste time on thinking, “Is it possible to get health insurance for my child?” you can find out the eligibility requirements for the government sponsored CHIP or Medicaid first. Every state has some specified CHIP qualification criteria and even contents of the program are likely to vary from state to state. You can explore possibility of getting your child covered under CHIP if:

Some equally best child health insurance plan are also accessible through private market exchanges. You can explore them and get health insurance quotes for child only.

Frequently Asked Questions

Yes. You can apply for CHIP or Medicaid even if you are not his/her actual parent. Uncles, aunts and grandparents can purchase health insurance coverage for children until they have their legal custody. States use the term as “Legal Guardian” under law.

CHIP plans provide wide range of coverage that can be more than what private marketplace policies offer. Additionally, coverage under Children's Health Insurance Program is cheaper or at times free for kids belonging to families with low or no incomes.

There could be couple of situations in which you may need to buy a child only health insurance plan. First, you are not in a financial position to afford healthcare coverage for you and your child. Secondly, your employer health insurance policy doesn’t cover children.

The CHIP or Children’s Health Insurance Program is a low cost healthcare coverage option provided by government to kids of low income families. CHIP coverage is ACA compliant and even cover wellness visits to doctors and some types of immunizations.

CHIP plans cover wide range of medical services that include:

  • Baby doctor visits for regular or routine check-ups
  • Hospital care services (inpatient as well as outpatient)
  • Medical prescriptions
  • Dental and vision care
  • Emergency care services
  • Lab tests and X-rays fees

Know more about health terms

  • Obamacare

    "Obamacare" make it convenient for qualified consumers with lower incomes to secure government subsidies for individual and family health insurance policies. To qualify, you just have to make sure that your yearly household income is in the range 100% to 400% of federal poverty level.

  • Pre-existing Conditions

    The term pre-existing conditions implies health problems such as asthma, blood pressure, diabetes or cancer that a policy buyer already has prior to the beginning of the health coverage.

  • Co-Insurance

    The term “co-insurance” refers to the percentage of permissible charges for all health insurance services covered under a policy. These expenses have to be borne by the buyer.

  • Dependent

    The term “Dependent”, refers to child, spouse, parents, relative or any other person to be covered under family health policy. As per IRS rules and regulations premiums for policies purchased under ACA are eligible for tax credit benefits.

  • Special Enrollment Period

    To get enrolled for federal healthcare benefits there is an open enrolment period that is effective from the 1st of Nov. to 15th Dec. Enrolment for ACA plan post the specified time period is called the special enrolment period.

  • Preventative Care

    The term “Preventive Care” refers to the health services needed for preventing illnesses or even diseases. Such services may include counselling sessions, routine healthcare check-ups or family members covered under an ACA plan.

  • Embedded Deductible

    The term “Embedded Deductible” refers to combining of individual & family health insurance deductibles for a family health insurance policy.

  • Non-Embedded Deductible

    A non-embedded or aggregate deductible health insurance plan requires buyer to pay total family deductible amount out of pocket before the coverage begins. Insurer will thereafter start paying for the healthcare services of every individual member covered under the policy.

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