Medical Insurance for Children – Overview
Every parent wants a healthy and happy child. For that, they spend thousands of bucks on their regular checkups.
However, not every parent can afford expensive medical checkups regularlfy.
If you come from a middle-class family and want to keep your child healthy by providing necessary medical checkups and other services, you should enroll in medical insurance for children.
Medical Insurance for Children is crucial in today’s modern world. With new technologies and treatments, medical checkups and other associated treatments have become more expensive.
Everything you need to know about Medical Insurance for Children is given in this article.
What is Medical Insurance for Children?
The federal department backs Medical Insurance for Children. The program refers to the Children’s Health Insurance Program.
This program is administered by the United States Department of Health and Human Services.
This program distributes funds to state governments to provide health insurance coverage to the needy families of that particular state.
Besides the federal programs, there are many private entities active in this field that provide medical insurance for children at reasonable rates.
The federal program is designed to provide health insurance coverage only to eligible children. It’s a different program than the standard Medicaid program.
About Children’s Health Insurance Program
As noted above, the Children’s Health Insurance Program is a federal program backed by the US Government.
This program offers medical coverage or we can say health insurance to teens, infants, and children at low cost or no cost.
This program is exclusively designed for the children as they grow to provide health checkups and other medical treatments at low cost or no cost.
The Children’s Health Insurance Program is offered by each state across the US. The funds are distributed from the Medicaid Program in the state.
Each state has different rules to get qualified for this insurance.
If the applicant meets the criteria set by the government of the state, then he will be qualified to receive Medical Insurance for Children through this program.
What does Medical Insurance for Children or CHIP Cover?
The Children’s Health Insurance Program is designed for children only. The program provides medical coverage to eligible children. The list of services covered in this program are listed below:
- Hospital care
- Emergency care
- Dental and vision care
- Vaccine shots
- Doctor visits
The CHIP program is the only public-sector financing program in the US distributed through the Medicaid Program.
What if the Child is Unable to Meet the Criteria?
If the child is unable to meet the criteria set by the state government to enroll in this program, then he will have to go to private-sector insurance companies to get healthcare services at affordable rates.
For uninsured children, access to healthcare services is quite expensive and they can’t afford it.
If the parents don’t have enough funds for the expensive treatments, they have to delay the treatment which may lead to even more serious diseases.
Some children need special treatment due to chronic illness, if they are unable to provide treatment on time, the child might lose his life.
How Do We Avail of Medical Insurance for Children from the Private Sector?
The majority of US citizens including children go for medical insurance or health insurance through the private sector.
Private sector health insurance companies are tied up with other organizations to provide healthcare services at reasonable rates to those who have insured their life through their health insurance policy.
What’s the Procedure to Enroll for the Medical Insurance for Children?
No matter if you want to get medical insurance for yourself or your children, you can get all the information about how you can get low-cost or no-cost medical insurance from the official website of the US government.
The US Government’s www.healthcare.gov website gives you all the information about the different healthcare programs available for your children and yourself.
You can get information about the application procedure to enroll your child in CHIP.
Besides CHIP, you can also enroll yourself in Medicaid and other healthcare programs from the same website.
The official healthcare website of the US Government updates regularly with new information. You can even apply for a particular program by selecting the appropriate link.
What Documents are Needed to Enroll in the Program?
You can enroll in the Healthcare or Medical Insurance program through the official healthcare website online, or can reach out to the department over a phone, or can even write them an email.
If you choose to apply online, you will be asked to create your account on the respective website i.e. your profile, where you will be asked to fill in the required information about yourself and your children.
The following things are required while applying for the healthcare program:
- Social Security Numbers of each applicant
- Income-related information
- Employment-related information
- The policy number of the current healthcare program
Besides this, a set of general documents will also be asked for by the healthcare insurance provider.
You will get all the information regarding the required documents from their official website.
Who Can Apply for the Child’s Healthcare Insurance?
If the parents are not available or divorced, then the healthcare insurance for that child can be applied by the aunts, uncles, grandparents, or those who have legal custody of the child. One can apply for the child’s healthcare insurance anytime.
Is CHIP free of cost?
CHIP offers low-cost and no-cost medical treatments and healthcare services to those enrolled in this program. In general, the program costs nothing.
In some cases, the insured persons would be asked to pay for a small amount of the total bill. The limit set by the program is not more than 5% of your total income.