Your Kids are Covered
We care about our kids. It’s a natural response. There is something instinctive that kicks in to protect and provide for our children. One of the ways that we want to provide for our kids is to ensure that they have access to see the doctor. Not only when they come home with a rattling cough, but also for yearly check-ups and immunizations. We want them to have access to a dentist for regular check-ups and to ensure that if they have any cavities that they are being addressed now and not turning into a more significant issue. But in wanting to provide all of this for our children, we can run into problems of finances and health insurance coverage. If you are having a hard time providing insurance coverage for your children, there are some options available to you.
Medi-Cal and CHIP
These programs provide low cost or no cost health insurance coverage for children in California. These programs take into account your income to help determine the price. For some families, the parents may receive their health insurance through an employer but to add their children to the plan is a significant increase. Sometimes, your children can qualify for health coverage through these programs at a much-reduced rate.
Children Only Health Insurance Plans
There are lots of different plans available for children. These programs usually cover check-ups, baby care, school and sports screening and sometimes immunizations. The benefit of these plans is that your child is receiving care ahead of time so they are less likely to get very sick and the doctors aren’t playing catch up after a cold has taken root. These plans usually come in HMO, ECO and PPO formats. Each one has their pros and cons.
If you have more questions about health insurance coverage for your kids, please make sure to call us. We are the health insurance experts and can help answer all of your questions.