Health Insurance for Children

Children younger than 18 have lots of government programs in place due to the government to make sure there is insurance available. All of these plans have become reality over the last 10 years, their purpose is to make sure that low to middle class families can afford health insurance for their kids. These plans are unknown to some, they may not know how to find the assistance in their area.

Medicare is one of the options, and a lot of people are familiar with this one. But this coverage is mainly for handicapped children or those with birth defects. Your child would be eligible if they have any of these diagnosis.

A second option that your children may be eligible for is for Medicaid coverage. This type of coverage is usually available to children of low income families as well as for pregnant women. There is an income requirement and your family usually must fall below the poverty guidelines set forth by the federal government in order to receive this type of assistance, which for a family of 4 is an income of below 22,000 per year. There are some inclusions in this program to include children who are very ill and also emancipated minors to be eligible for coverage.

The last option is a newer option that has been put in place by the government and it includes those who are working, but make a limited salary and do not receive insurance coverage as part of their work benefits. This option is called by a different name from state to state; however the government calls this the SCHIP program. In order to find out more information about this program in your area, contact your local department of social services, Medicaid office or your doctor. This program has a much higher income requirement, and in many cases if they can't offer you insurance for free, they can offer you a minimal premium to cover your child or children.

Going without insurance is not good for the adults in the family but the kids can be covered through one of these programs and that's very helpful for families. Hopefully the health insurance landscape will be changing and all will have health insurance.

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