Parents looking for affordable health insurance for children have had it rough lately. With limited plans, expensive premiums and few options, it’s nearly impossible to secure the right protection for your family. However, there may be some light at the end of the tunnel, making it easier than ever before to finally get the coverage you need at a price you can actually afford. If you’re looking for child-only health insurance, here are a few facts that may help you.
Health Care Reform
It’s a frustrating process trying to secure quality health insurance for a child. If you’re lucky enough to be in a position to add dependents to an employer provided plan, great. Unfortunately, not everyone can afford the rates. The good news is, health care reform has made some positive changes and health insurance companies can no longer deny coverage to any child under 19, even with pre-existing conditions. While that’s a start, it didn’t necessarily make coverage more affordable and in many cases, it actually made it more expensive or unavailable all together.
Increased Access to Affordable Health Insurance for Children
Beginning on October 1, 2013, state run exchanges are set to offer parents, individuals, even businesses with health insurance options. While the jury is still out whether or not this option will be convenient, for parents, it’s sure to make it easier to find affordable health insurance for children. It is required by law that state run exchanges offer health insurance for children that meet certain criteria. First, plans must be affordable, and second, they must include essential health benefits. For children, that means pediatric benefits including vision and special care will be included in every plan. For you, that means increased access to quality plans within your budget.
Competitively Priced Coverage, Easy and Convenient
State exchanges are sure to provide parents with the choices they need to make informed decisions about health care. Be sure to compare policies you find to secure the most advantageous benefits as well as a competitively priced rate. Parents work hard and deserve a little peace of mind in quality medical care and protection you can trust with affordable health insurance for children.