Affordable Family Health Insurance For Children and Students
Nearly 10 years ago now Congress passed a plan entitled Title XXI, or the State Children's Health Insurance Program [SCHIP]. This plan was aimed at dealing with the growing number of children in the United States living without any form of health insurance. Unfortunately, for many families, their income is not sufficient to afford private health insurance but is too high to apply for Medicaid. Under this state plan however the family is charged a maximum of 5% of their gross annual income and, in many cases, can receive medical treatment at no cost at all.
The cover provided under this program varies from state to state, but all states must provide a minimum of cover including such things as well-baby and well-child physicals, immunization and emergency services.
One thing to note is that, if your child is already covered under a health insurance policy, then he or she will not be eligible for the state coverage.
If your children are not eligible for medical care under the state plan then you will need to consider whether they should be covered under a family policy or on their own individual policies. As a general rule, it will normally be more cost-effective to have a family policy although, if you have only one child, an individual policy for that child may prove to be more cost-effective.
When it comes to student health insurance most colleges and universities have their own health care clinic for treating routine ailments such as colds, sore throats and minor sports injuries. However, all students should have some form of health insurance cover for unexpected medical problems including more complex illnesses and surgery.
If possible, you should try to have your children covered on your own individual or family policy and most policies will cover children even when they are away at school. Some policies may however place certain restrictions on coverage and these should be checked carefully.
If you find that your children need their own individual health insurance policies whilst away at college, then there are a number of insurance companies that cater specifically to the needs of students. You should however research this area carefully and make certain that the cover being provided meets your needs.
It is all too easy to assume that the government will take care of the health needs of children and that colleges and universities will likewise take care of their students. Unfortunately, this is not the case and, as parents, it falls to us to ensure that our children get the health care that they need.
Related Tags: health insurance, student health insurance, child health insurance, child healthcare, student healthcare
For more on unique wedding cake toppers please visit Talking Weddings today.
Your Article Search Directory : Find in ArticlesRecent articles in this category:
- Radiofrequency Neurolysis of Facet Joint
What is radiofrequency ablation (RFA)?Radiofrequency is a means of interrupting pain signals. An ele - What Is Best Treatment For Malaria?
Malaria is directly correlated with traveling to foreign countries with large populations of Aedes m - Health Insurance Information for College Graduates
Resume...Ready.References...Ready.Health Insurance...what?Now that you've graduated from college, yo - Individual Health Insurance - The Good, The Bad & The Ugly
Individual health insurance coverage can be very costly and may not provide 100% of all of the benef - Low Cost Health Insurance In Texas
Texas health insurance options are pretty good if you need to get individual or family health insura - Why Do I Need Disability Insurance?
Your career is a direct result of hard work and a substantial investment of time and money. Do - Blue Cross Blue Shield Michigan Heads April's Chiropractic Office Billing Software Precision Index
Chiropractic Office Billing Software Performance Index (BPI) in April 2007 outperformed its March va - Understanding Health Insurance
Health insurance is a necessity for all. With medical expenses soaring every day higher than a hang - Tips On Finding The Right Health Insurance For Your Family
Choosing the right health insurance provider is a big decision, but it's an even bigger decision whe - NPI Deadline Extension? How Does the CMS 1500 and NPI Deadline Extension Affect Your Office
There is a lot of buzz out there about the CMS, Center for Medicare and Medicaid Services, extending
Most viewed articles in this category:
- Aromatherapy Information
Guidelines that Aromatherapy enthusiasts ought to knowCombined with the mode on new age events on th - The Benefits of Not Having Health Insurance
Sounds silly doesn't it.But wait.The benefits of not having health insurance can be summed up in one - Individual Health Insurance
If your employer does not offer group insurance, or if the insurance offered is very limited, you ca - Ups and Downs of the "New" Consumer Directed Healthplans
After nearly 20 years of low copays for office visits, prescriptions, hospitalizations and the like, - Affordable Health Insurance in Houston, Texas
Houston, Texas provides many things to many people. Museums, fairs, marathons, festivals - you name - Free Health Insurance Quotes
Why waste time calling one insurance company after another to get health insurance quotes? Just as t - Affordable Health Insurance in Michigan
If you are having trouble finding affordable health insurance in Michigan, you may want to look into - Health Insurance Is Important
The importance of health insurance cannot be stressed enough. There are probably very few families - Cold Sore Treatment - Grandma's Breakthrough Treatment Leaves Experts Clueless
About 50% to 80% of the American population carries the herpes simplex 1 virus. That is easily more - Establishing a Health Plan
Health insurance plan is one of the most pleasing benefits you could offer your employees. Following