Kids Health Insurance And Medical Insurance Options
While newborns, babies and children have in many states had a relatively free access to healthcare services, either through parents' insurances, or through the state run insurances and programs such as Medicaid and Healthy Families, there were up until now still cases where babies and children went without the needed care because they exhibited what insurance companies termed "pre-existing conditions", that is, conditions or illnesses that babies have already outgrown, yet, they still resided on their records, and prevented the babies from getting the <em>baby health insurance</em> that they needed.
Especially since the low-income requirement for Medicare has become more stringent, the services offered have become fewer and states in general have had less and less funds to support such programs, and family health coverages becoming more and more expensive, many kids were forced to go without child health coverage, causing financial harm to themselves and their parents or guardians.
The bad news for baby health coverage plans and child health plans after 2010
The bad news for child health coverage program since the inception of the health care law of 2010 has been that, since the law required all health insurance companies to offer all babies and children insurance, even if the applicants had pre-existing conditions, health insurances have responded by discontinuing sales of individual health plans for children and babies under 19 years old. In many states, this decision has violated state laws against age discrimination. The situation has changed since, and some insurance companies are reportedly offering child health insurance quotes, but not all. It is unclear at this point, whether or not the insurance companies are rejecting child health insurance program applicants based on their pre-existing conditions or not.
The good news for babies and anyone with pre-existing conditions
The good news for parents of babies who need much health care is that, since the inception of the affordable health care act of 2010, the government has stepped in with the interim solution for babies and children. Now, at least until 2014 anyone with pre-existing medical condition can get affordable health insurance plan.
The medical insurance policies are called PCIP, which stands for Pre-existing Condition Insurance Plan. PCIP are either federally managed in some states, or state managed in others. They are priced quite competitively with the normal, individual health insurance plans that are available in the free markets, which are only available to people with no pre-existing conditions. As an example, the PHIP plan subscriber premiums per month for a child age 0-18 in California will be anywhere between $127 to $145 per month, regardless of their pre-existing condition.
What are the requirements for a baby to get the health insurance benefits of the PCIP plan? They are quite simple. The child should be a legal resident of the state where he/she is applying, and must be the US citizen or national, or a "lawfully present individual". The child can not have had any health insurance coverage for six months prior to receipt of the application. This includes any individual health plans, employer-sponsored plans, COBRA plans, Medicare plans, and Medicaid plans. The applicant must also show the proof of individual insurance plan rejection due to pre-existing condition, or an offer with abnormally high premium indicating the pre-existing condition.
Especially since the low-income requirement for Medicare has become more stringent, the services offered have become fewer and states in general have had less and less funds to support such programs, and family health coverages becoming more and more expensive, many kids were forced to go without child health coverage, causing financial harm to themselves and their parents or guardians.
The bad news for baby health coverage plans and child health plans after 2010
The bad news for child health coverage program since the inception of the health care law of 2010 has been that, since the law required all health insurance companies to offer all babies and children insurance, even if the applicants had pre-existing conditions, health insurances have responded by discontinuing sales of individual health plans for children and babies under 19 years old. In many states, this decision has violated state laws against age discrimination. The situation has changed since, and some insurance companies are reportedly offering child health insurance quotes, but not all. It is unclear at this point, whether or not the insurance companies are rejecting child health insurance program applicants based on their pre-existing conditions or not.
The good news for babies and anyone with pre-existing conditions
The good news for parents of babies who need much health care is that, since the inception of the affordable health care act of 2010, the government has stepped in with the interim solution for babies and children. Now, at least until 2014 anyone with pre-existing medical condition can get affordable health insurance plan.
The medical insurance policies are called PCIP, which stands for Pre-existing Condition Insurance Plan. PCIP are either federally managed in some states, or state managed in others. They are priced quite competitively with the normal, individual health insurance plans that are available in the free markets, which are only available to people with no pre-existing conditions. As an example, the PHIP plan subscriber premiums per month for a child age 0-18 in California will be anywhere between $127 to $145 per month, regardless of their pre-existing condition.
What are the requirements for a baby to get the health insurance benefits of the PCIP plan? They are quite simple. The child should be a legal resident of the state where he/she is applying, and must be the US citizen or national, or a "lawfully present individual". The child can not have had any health insurance coverage for six months prior to receipt of the application. This includes any individual health plans, employer-sponsored plans, COBRA plans, Medicare plans, and Medicaid plans. The applicant must also show the proof of individual insurance plan rejection due to pre-existing condition, or an offer with abnormally high premium indicating the pre-existing condition.