Government and Health Insurance for Kids

The government does have many programs in place to assure insurance coverage for kids up to the age of 18.  These plans have been established over the last ten years to provide low to middle class families affordable insurance for their children.  They’re not widely known about though, people may not know what is out there for them.

The first option for children is Medicare.  This program however, primarily will provide coverage for those children who are handicapped or have birth defects.  If your child falls into this category than they care eligible for this government plan.

The next option is a possible eligibility under Medicaid.  You typically would be below federal poverty guidelines to apply for this coverage.  That guideline specifies income of less than 22,000 annually for a family of four.  This will also cover pregnant women, and may cover very ill children and emancipated minors.

The final option is fairly new, the federal government calls it the SCHIP program.  It’s for those who are working but have limited salary and don’t have insurance coverage in their benefits at work.  Every state has a different name for it so you may need to call your local social services, local Medicaid office, or your doctor to find out about it in your state.  The income requirement is higher, and they often can offer your kids the insurance for free or maybe require a small premium.

These government programs are extremely helpful for families with children, however keep in mind that these programs do not cover the adults in the family and unfortunately this leaves the parents of these children without the insurance they need.  Hopefully a more affordable insurance option is on the horizon for all, but in the meantime it is good to know that there are at least affordable insurance options for this nation’s youth.

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