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Health Insurance Children - Health Insurance Options for Children: What to Do When You're Underinsured - For Expecting Mothers, For Uninsured/Under-Insured Families

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Are you expecting a new child and worried about your health insurance coverage (or lack thereof)? Do you currently have a child, but don’t have adequate insurance coverage to cover serious sickness or injury? Times are hard, and this can happen to anyone. Sudden layoffs, unexpected life events, and many other things can contribute to suddenly finding yourself among the growing number of uninsured or under-insured Americans. Here is a guide to making sure you have health insurance for your children, so that you can find some peace of mind.

For Expecting Mothers

If you’re expecting and you find yourself worried about inadequate or nonexistent insurance coverage, you’re not alone! 13% of all pregnancies today are uninsured. But you don’t want to be saddled with significant medical debts at a time when you and your child are most vulnerable, so it’s important that you look at the many options that are available to you. Try using a resource like PregnancyInsurance.org. They provide extensive options for every aspect of pregnancy costs to help you find the best alternatives that will work for you. You can find information on alternative insurance coverage like Medicaid. Learn more about alternative birthing options like home births and birth centers. Find out about effective prenatal care steps that you can take to ensure your baby’s health. It is all presented in a plain-English, easy-to-follow layout, which really helps you feel at ease when you need it most.

For Uninsured/Under-Insured Families

If you already have a child or children who are not receiving sufficient medical coverage, there is help available for you. The federal government instituted CHIP (Children’s Health Insurance Program) in 1997 to insure the millions of children who were not being adequately covered. Look at InsureKidsNow.gov, the government’s official page for the CHIP program, to find providers in your state. Because the program is administered by each individual state, specific coverage amounts and rules for qualification will vary depending on where you live. Even if you earn too much to qualify for Medicaid, you may still qualify for CHIP coverage, which can cover your children until they are 19 years old.

It’s no surprise that with the skyrocketing costs of medical care, many businesses are scaling back employee coverage or simply getting rid of it all together. This makes it very difficult for many hard-working parents to provide adequate coverage. Most recipients of CHIP coverage are the children of working families who simply can’t afford adequate medical coverage. If you fall into this category, just know that you’re not alone.

You can also use the InsureKidsNow.gov site to find information on Medicaid and dental care providers in your state, as well as resources to apply for Medicaid services.

Remember, if you are uninsured or under-insured, there is no need to be ashamed, and you are not without options. Take steps today to ensure that your family is covered in the event of accident or sickness. If something did happen while you still were without adequate coverage, it could cause an already delicate financial condition to spiral out of control, making serious stress on everyone in the family. That’s one risk that nobody should take.

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