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A federal mandate requires that all 50 states have a health insurance program for children. Each state was allowed to create a plan tailored to the needs of children in that state, but there are some things that are the same from one state to the next. The first is eligibility.
Government funded health programs typically have very stringent income guidelines. These health insurance programs have income requirements, but the criteria allow higher income than most programs.
Another criteria for participation is that the child isn't covered by any other health insurance. That differs from most programs in a very important way. Most programs say that if the family has access to insurance, they aren't eligible. That means that parents who have employer-based insurance don't qualify. But many of the employer-based plans are too expensive, and workers sometimes simply can't afford the premiums. This program is designed to help fill that gap.
These programs don't cover families - only children. But there are some great benefits for those who qualify. Some states offer mental health benefits, transportation to and from appointments and dental/vision benefits.
If your children don't qualify for this program, or if you're in the market for individual health insurance for an adult or private insurance for a family, you have some options. Even though insurance is typically very expensive, you can take some steps to control costs.
You can eliminate extras such as vision and dental coverage, and increase deductibles to lower the cost of your insurance premiums. Look for policies that don't include maternity benefits and cancer plans as more affordable general health insurance plans. Basic coverage will likely be less expensive than an all-inclusive health insurance program.
Finally, shop before you make a decision. Even if you're offered employer-based insurance, you might find a better deal elsewhere (depending on the amount of employer participation). Look to professional groups for discounts and advice.
Travel insurance can protect your health or wallet on vacation msnbc.com Many people think that their regular health insurance policy will cover them if they get into medical trouble overseas. Don't bet on it. Some plans, such as those under the Blue Cross Blue Shield umbrella, give their members access to networks of ... |
207 - Fall River County Commission Rapid City Journal LIFE INS CO, MAY EYE CARE, $30.60; AMERICAN FAMILY ASSURANCE, MAY INSURANCE, $667.26; BATTLE CREEK SUPPLY, SUPPLY, $125.98; BARKER CONCRETE & CONST, SUPPLY, $1961.99; BLACK HILLS POWER, ASSISTANCE;UTILITY, $430.35; BLUE CROSS/BLUE SHIELD, MAY HEALTH ... |
Business news in brief Philadelphia Inquirer Diane Mastrull Horizon Blue Cross Blue Shield of New Jersey said it will open the state's first health insurance retail center this summer in Moorestown's East Gate Square Shopping Center. The center will have staff trained to help customers with their ... |
![]() vtdigger.org | Legislative wrap up: Health care bills addressed insurance coverage, tanning ... vtdigger.org by Alan Panebaker | May 9, 2012 Lawmakers this session wrestled with tough choices that will affect health care for Vermonters for the foreseeable future. From how to set up an online health insurance marketplace to whether to allow parents to opt out ... |
State Roundup: Conn. Retiree Health Plan Expansion Could Endanger Protections Kaiser Health News Baptist Health South Florida and oncology practice Advanced Medical Specialties, both of Miami, are working with Florida Blue, a Jacksonville-based Blue Cross and Blue Shield company, to set up an accountable care organization specifically for cancer ... |
Insurance Scammers Revealed by New Times Go to Trial Phoenix New Times It described how healthy Phoenix-area "patients" were getting paid about $800 each to travel to the Los Angeles area to endure unneeded and potentially dangerous sweat-gland and sinus surgeries, colonoscopies, endoscopies, and gynecological and ... |
Health care debate awaits court action Cleveland Daily Banner Gregg, CEO of Blue Cross Blue Shield of Tennessee, provided those at the luncheon with information on the national health care debate. Also preceeding the awarding of the 14th Mel Bedwell Small Business Person of the Year presentation to Ritzhaupt, ... |