Children's Health Insurance Program
A childrens health insurance program is for families with children under the age of 18 who are in need of insurance. When looking into coverage for youngsters, it's important to know the guidelines. A children's health insurance program can be added to a family's regular policy, but most of the time, these programs are for those children that have a greater need than that of simple coverage; usually for children who have a terminal illness and needs to have care figured out for them. This coverage was initially set aside for those in dire need of medical attention, but has been expanded to include many others.
The best plan is to get coverage as soon as the child is born, as the policy may need to change if it turns out that the child has more medical problems than expected. A children's health insurance program can be obtained at any time during the child's life, however, the sooner the better. If it does turn out that the child has more several medical problems, it is very important to get coverage right away. This way, great financial worries can be averted, and focus on getting the best care available can come without worry. When taking care of a sick child, a children's health insurance program will help to find best care possible.
The Internet is a great place to research this or it can be obtained through a personal insurance provider. If looking for this information on the Internet, make sure, aside from getting just a children's health insurance program quote, that this is actually what is wanted as far as coverage is concerned. A childrens health insurance program will be easy to find, but it is important that to have all of the medical history handy when deciding to enroll them in this program.
Before deciding upon types of coverage, one really has to look into the future to figure out what might possibly be needed. A childrens health insurance program may greatly depend on the child and how their health is. It may also depend on the family's history of health. This type of protection is important because it protects the child and allows them to have great health care right from the start, before any further medical concerns may arise. Spend time with the Lord in the process of choosing this. He will give the needed guidance. "I cried with my whole heart; hear me, O LORD: I will keep thy statutes." (Psalm 119:145)
Childrens health insurance is usually added as dependent coverage to an adult's policy that has been purchased by the individual or is through an employer's group plan. Children's health insurance covers all medical needs a child may encounter throughout their life until the age of 18 or until the age of 22 if the child lives at home or is enrolled in an institution of higher education (college). At that time the child is dropped from the parent's plan, voiding the coverage, and must seek out their own adult health coverage either through their place of employment or by enrolling in a medical insurance program individually.
The costs associated with insuring a child are not high. As an "add on", through a place of employment, the children's health insurance will only cost the enrollee about $20-$45 per month. Considering the bulk of premium costs are paid by the employer, adding on this coverage is wise while the enrollee maintains employment. Most plans include yearly physicals and all the necessary doctors' appointments for immunizations. Once all immunizations are complete, the childrens health insurance coverage will only cover yearly physicals.
If the child is planning on participating in sports, they will need an additional physical form signed by a physician. It is recommended that parents schedule the child's yearly physicals and sports participation physicals simultaneously to save money. Otherwise, there are local clinics that specialize in walk-in sports physicals for student athletes, and charge minimal fees (typically $25-$75). Children's health insurance enrollment is the responsibility of the parent or guardian. Dependents are not automatically included on medical enrollment forms. This coverage must be added on separately.
It is important for a Christian to insure their child if the parent intends to take seriously God's advice on planning and preparing for the future. While some Christians feel that the purchase of childrens health insurance may be a sign of lack of trust in God's ability to support them in their times of medical need, it is wise to be prepared financially should a medical disaster happen. The early Egyptians heeded God's warning to prepare for famine by saving their fruitful abundance. Christians should do the same by enrollment in a childrens health insurance program. "And let them gather all the food of those good years that come, and lay up corn under the hand of Pharaoh, and let them keep food in the cities. And that food shall be for store to the land against the seven years of famine, which shall be in the land of Egypt; that the land perish not through the famine." (Genesis 41:35-36)
Child Health Care InsuranceChild health care insurance is heavy on the mind of any parent without a good program or policy. Thousands of children are not insured due to a myriad of issues that spread from poverty to self-employment of parents, but regardless of the reason, the government wants to see every child in this nation offered the best medical care possible. There are options for children's policies and parents and interested consumers can find these options through information offered by their state and from various coverage programs throughout the United States. And, for families, which do not qualify for state programs, there are organizations listed on the Internet that will guide a health policy seeker to the agencies that offer affordable child health insurance.
In 1997, the Balanced Budget Act offered a child health care insurance program for uninsured children under the age of 19. The State Children's Health Insurance Program (SCHIP) is for families that do not qualify for Medicaid. The program offered by SCHIP is available for working families that make under a certain annual income and can cost very little, or may cost nothing at all. Each state is responsible for setting the guidelines and qualification mandates for SCHIP. Interested parties can log on to the Internet and investigate SCHIP and the unique child health insurance programs offered in their state of residence.
Another options for parents and those seeking a policy for children is to find child health insurance helps through the vast information listed online. The Internet has agencies that will locate a plan and company willing to work with different needs and financial situations. These policy brokers will contact several helpful insurance companies and work as liaison between providers and child health insurance buyers.
It is advised that you thoroughly investigate the insurance company offering coverage before purchasing child health care insurance plan for your children,. If working with a provider that is not well known, then ask for references and check with the Better Business Bureau. Parents need to make sure they totally understand all of the information on and about the policy before committing to a premium or program. Getting a good program in place offers security and is a responsibility of parents. Also, teaching children to respect and value the Christian faith that is part a family's spiritual legacy is commanded by scriptures. Guiding a child in the way of the Lord is a kind of spiritual security for your children. "Train up a child in the way that he should go: and when he is old, he will not depart from it." (Proverbs 22:6)
Health insurance for children is available for families of all incomes through either state aid programs, parent employment benefits, or by designating a portion of income for healthcare. All caring adults desire this coverage, and it is a major factor in employment packages, governmental policy, and family budgets. Such policies provide for routine and emergency care for the safety of all young people, ensuring better school performance, stronger more capable youth, and prevention of hospital visits. And the societal implications of providing health insurance for kids, no matter who or where they are, cannot be overstated.
Coverage for youth in low income families is available through each state's department of health. The eligibility rules for health insurance for children differ, but most uninsured children 18 years and younger can qualify for free or low cost plans if the family income is less than, for example, $34,100 a year in a family of four. The policy coverage needs to be reviewed every 6-12 months but should cover doctor visits, prescription medicines, hospitalizations and even dental care, eye care, and medical equipment. Information and eligibility requirements are available online. This is not a welfare program; it is financed through state and federal programs through taxes and supplemented by a premium or co-pay for which the family is responsible. Generally, families who qualify for Medicaid's state-based health insurance program (SCHIP) already have comprehensive health insurance for kids and would not be involved in programs such as Insure Kids Now! offered through the U.S. Dept. of Health & Human Services.
Why is health insurance for kids an important issue? As late as 2001, over 9 million children didn't have any benefits, according to government census. The majority of coverage is provided through private insurance, especially employment-based coverage (about 93%). The rest of the children who are insured depend on some kind of state coverage (about 29%). Sometimes lack of education is a factor when eligible families do not realize that programs are available. Even though there are programs specifically for low income families, it is estimated that 22% or 2.7 million poor youth had no health insurance for an entire year. Almost one in four Hispanic youth had no plan and almost half of the children without citizenship did not receive or qualify for health insurance for children. By a large majority, inner city families are not receiving the benefits of these programs. The need requires urgent compassion: "Like as a father pitieth his children, so the LORD pitieth them that fear him." (Psalm 103:13)