FAQ - Kids
Generally people have many questions on their minds when thing of acquiring a health insurance plan for their children. Following questionnaire may prove to be of some help in getting answers to these common questions.
Que: What is the importance of Children Health Insurance?
Ans: Children Health Insurance not only pays medical expenses when your child is sick but also provides them better health through administering disease preventing shots and immunization. It also provides your child specialized treatment in recurrent sicknesses like asthma and ear infections. Apart from providing them treatment during their sickness children health insurance also takes care of their good health and ensure that children keep themselves well.
Que: How health insurance is associated with my child’s academics?
Ans: As your child gets immunizations and disease preventive shots through child insurance plan he is less likely to fall sick. There is a phrase “sound mind in sound body”. Means if your child is medically fit he will not miss the school and can concentrate on studies.
Que: What are the options available for obtaining a child health insurance for my child?
Ans: In U.S. all state governments have their own child insurance plans. You have to check up with your state government child health insurance plan. You can choose a child health insurance plan that is provided free or with low cost by your state. In most states children whose family has total annual earning of up-to $34,100 are eligible for children health insurance.
Que: What is the maximum period that a child can remain enrolled for child health insurance program?
Ans: Till the time your child qualifies the laid down criterion he can remain enrolled on the program. Usually you have to renew the program at laid down periods, generally half yearly or annually.
Que: What are the services covered under child health insurance program?
Ans: The child health insurance caters for expenses incurred on doctor’s visit, hospitalization, immunizations and prescription medicines. Some states have other services like dental care, medical equipments and eye care covered under this program.
How are these health insurance programs financed?
Ans: The main source of finance for these programs is federal and state taxes. This program is introduced to ensure the health of every child in the U.S. In most states the program is sponsored by federal government and state government and you get it without paying any cost. However5, in some states you may have to make a co-payment or pay premium for obtaining child health insurance.
Que: What is the maximum age limit for child health insurance?
Ans: Generally, children in age group of 0-18 yrs are eligible for health insurance under this program. However, different states have different eligibility criteria.
Que: Can my child become member of this health insurance program even if I am employed?
Ans: Irrespective of parent’s employment, all children who meet the laid down criteria are eligible for child health insurance. It is not a welfare program. Children of working families who are not covered under the employer sponsored health programs and can not afford private health insurance plans, are eligible to enroll under this program.
Que: Who is competent to apply for a child’s health insurance?
Ans: Usually, legal guardians and grandparents of a child, apart from parents can apply for child health insurance program for a child.
Que: How to apply for a child health insurance program?
Ans: You can apply by submitting a simple application. Some states even provide you facility of applying on phone.
Que: Can I seek health insurance program for my child if I am an immigrant and applying for U.S. citizenship?
Ans: Yes. Citizenship is no bar for obtaining a child health insurance program. Immigration officers would not consider government medical benefits while considering your citizenship application.
according to financial capabilities of the employer and medical care needs of the employees.
|