Affordable Health Insurance for Children

Affordable Health Insurance for Children

September 12, 2015

Children are also vulnerable to many sickness and also have high medical needs. Government in America have arranged a child-only healthcare insurance or originally termed Children’s Health Insurance Program (CHIP).

CHIP is a healthcare program with very low rates, offered to underprivileged families. This usually works with Medicaid. Medicaid is a government program that also offers low cost healthcare insurance to unfortunate people, children, old and disabled people, who can’t afford a health insurance.

One is qualified if proven that a family have low monthly income. Sometimes qualifications vary on which state you’re in.

How can these two insurances help children medically? The list below are the combined medical assistance that CHIP and Medicaid can render to children:

  • Regular check-ups, with choice of doctors
  • EPSDT – Early and Periodic Screening, Diagnostic and Treatment Services
  • Dental check-ups, teeth filling and cleaning
  • Eye check-ups and glasses
  • Hospital care and services, in-patient and out-patient
  • Medical supplies and laboratory needs, such as X-ray
  • Special health treatment
  • Treatment for pre-existing conditions
  • Prescription medicines and vaccines

Parents will have no excuse to have their children living without getting their health insured. Government made sure that every children in America is prepared for any medical emergencies. The only question left is who is qualified with these programs.

The income of the family is being computed based on the Federal Poverty Level (FPL). To give you an idea, the chart below illustrates the percentage of the yearly income of a family, depending on the number of the members.

As said earlier, the qualifications depend in state regulations, but usually qualified CHIP and Medicaid applicants are being approved with the FPL ranging from 145% to 250%.

By computing your yearly income, you can check if your children can be enrolled to these programs or not. As, a parent, it is very important to prioritize the needs of your parents, especially the medical needs. When medical attention is badly needed, parents should worry more in the healing of their children and not on how high their hospital bills would be.