Affordable health insurance options for children are available through state programs.
Finding affordable health insurance for kids is achievable. No child should be uninsured. Every major health insurance carrier offers individual insurance plans covering families and dependents. Depending on need, government Medicaid and Children's Health Insurance Program (CHIP) coverage may be an affordable alternative. These plans offer comprehensive coverage for doctor visits, dental visits and prescriptions. The government provides online screening tools to determine if you may be eligible for public health insurance. Lastly, several nonprofit organizations, specializing in children's needs, may be able to help you find affordable insurance for your kids.
Instructions
1. Visit the websites of the major health insurance plan carriers in the United States including Aetna, Cigna, United Healthcare and your state's Blue Cross plan. The health insurance carriers offer a wide variety of plans. Their websites provide details and the ability to compare their different plans, obtain a quote and apply for insurance online after answering a brief questionnaire.
2. Access a website such as gohealthinsurance.com where you can compare affordable health insurance options for you and your kids. These sites will give you instant quotes and display a comparison of costs and coverage between plans.
3. Go to the Insure Kids Now website and select your state to get a link to your state's CHIP programs. Click the link to go directly to the CHIP site and learn more information about the program's eligibility, requirements, fees and application process.
4. Use the online tools found on Benefits.gov and BenefitsCheckUp.org to determine eligibility for other public health care programs. These sites, maintained by the government, will provide links to programs in which you may qualify.
5. Contact a nonprofit organization like Families USA or the Children's Defense Fund to assist you in finding affordable health insurance for your kids. These organizations employ staff knowledgeable about the latest laws effecting children's health insurance. They will likely have connections and knowledge about different options that you may not have.
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