Kids Insurance Quotes

Children May Be Eligible For Free Or Low-cost Health Insurance!

Many people work very hard to provide the best life for their children and for some reasons just don't make enough money to be able afford private or employer health benefits. It is costly to take children to the doctor. Children need more check ups and shots and are prone to more illness. These costs can add up. Well, the good thing is that many working families qualify for public assisted child health benefits for a small fee or for free. Every state in America has a health care program available for infants, children, and teens whose parents cannot afford health care benefits and qualify. This is not limited for people on welfare but also for working families, as well. For little to no cost this insurance pays for doctor visits, prescription drugs, hospitalizations, emergency attention, and plenty more.

The children who have no insurance are most likely eligible for this assistance, even if you are working. Most states have their own eligibility rules but most families who earn under $35,000 per year, for a family of four are eligible. In some cases of larger families or children with special needs, the cap is higher. For those parents that cannot afford insurance, a sick child is a devastating prospect both emotionally and financially. This why this benefit is here and should be utilized by all who are able. No child should have to go with out routine medical necessities do to money.

The Kids Come First Act is also trying to help qualify more children to ensure that all children get the medical attention they deserve. It is sad to know that there are children who have not gotten all their vaccines, children with asthma who cannot get their medications, children who have not had a physical all because their parents cannot afford to pay the doctor. Unlike an emergency room, a private doctor does not have to see you if you cannot pay at the time of your visit or before your next visit. There are too many kids who have unmet medical needs, trouble accessing health care, and most children don't see a dentist annually or at all.

Public medical assistance programs can help parents provide or get insurance for their children. This lessens the financial burden on over all family medical expenses. Many employers have free or extremely low medical benefits for the individual, it is just the family plans that cost too much for the family. Taking the burden off of the parents, they might be able to afford medical coverage for themselves. Qualifying single parents and families will apply in person at the local department of human services. A worker will ask you to bring verification of identification for you and your children, pay stubs for the past 4-8 weeks or a letter from your employer with your weekly wage, and fill out an application. The process does not take too long and you will find out right there if you are eligible or not.

Depending on what income brackets you are in, you can be eligible for several types of benefits. If you are in the lowest income level but still employed, you as well as your children can be eligible for medical assistance. You would probably have very small co-pay for prescriptions and other medical services but your children will not. The next level of care would include only the children with or without co-pays and no benefits for you. At the highest level, there will be a larger co-pay for all services, but still only a few dollars per visit.

For some families who are just slightly over the wage cap, there are series of secondary assistance that will help reduce the cost of your children's medical expenses. Most public medical assistance also covers dental, eye exams, and other services recommended by your pediatrician. If you are a low-income family, don't think you don't qualify till you try. You might be pleasantly surprised and have insurance for your children. Many people just didn't know that this program is not just for single parents or those on food stamps. This programs to all families who fall in the state guidelines.