Most employers offer group health insurance at a fairly affordable rate per month. When there are a number of people signed up for health insurance, at their company then the monthly rate is lower than if the person took out individual coverage on their own. 75%-80% of the cost of insurance is paid by the employer. It does not matter if the child has any pre-existing conditions or medications. Most new employees have a waiting period of 30-90 days before they can sign their child up for health insurance. In this case there are private medical insurance companies that offer short-term health insurance until the employee waiting period is over.
Unemployment means loss of health insurance. While insurance rates are lower when in a group plan at work, private medical insurance can be individually purchased with affordable premiums. A catastrophic event, without health insurance could turn an already challenged budget upside down.
Most states carry a special health insurance for kids, and premiums per month are affordable. Most major health insurance companies offer low cost health insurance plans for kids, such as Blue Cross Blue Shield, Aetna, Cigna, Humana and United Health One. The first thing that a parent should do is an internet search in the state they reside researching what health plans your state carries.
If a parent has a low income Medicare will cover babies and children under the age of 19 years of age. Medicare, statewide program in all states is available to residents of that state, if they fall within that states financial guidelines. This Medicare program will cover immunizations, dental care, pharmacy, hospital care prenatal and delivery care, in- home nursing care. Medicare can be signed up for at that states DHS office.
TopTips to get Individual Health Insurance for Kids:
1. Sign your kids up for health insurance under your health insurance policy at work
2. Call the closet Department of Human Services in your city to sign your child up for Medicaid
3. In some instances your child may qualify for Medicare; ask the Department of Human Resources
4. Sign your child up for a state supported health program or SCHIP; income is not a concern
5. Explore options for private medical health insurance, but do a comparisons study to see what premium is lower
6. Seek assistance with an uncompensated care programs at your primary physician and local hospital
7. Check into a short-health insurance policy for kids, if a group insurance is anticipated in a few months
8. AccessHealthCare.gov for your states consumer assistance program
Whatever insurance you decide upon make sure the policy covers immunizations, hospital care, home health care, newborn care dental care, pharmacy coverage, vision services and hearing services.
Author Bio: Eddie Adams is a Content writer from London. His interests Technology, Phones, Eco living, Health & Fitness, and also enjoys playing with latest gadgets. You can follow him @thefreshhealth on Twitter.)
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