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Insurance Article

Health insurance for kids

March 06 2010

There are millions of children who have to skip critical checkups and vaccines each year because of expensive co- pays or no health care coverage, in some cases, because insurance companies refuse to cover them. But now with health insurance policy, the future for our children’s health care is brighter than it’s been in a long time.

The new benefits that begin rolling out today will give parents more control over their children health care. In nearly all health insurance plans, children with pre- existing medical conditions such as asthma or debates can no longer be denied coverage and insurance company can no longer set the lifetime dollar limit on children’s benefits, which often led to sick children losing their insurance right when needed it the most.

The children’s health insurance program is a program administrated by the United States department of health and human services that provide matching funds to states for health insurance to families with children. The program was designed to cover uninsured children in families with income that are modest but too high to qualify for Medicaid. By having health insurance children will receive better health care and enjoy better health, thereby improving their productivity as adults.

 The cost incurred by providing, universal coverage to children, will be offset by the increased value of additional life years and improved health related quality of life gained from improved health care. From a societal perspective, health coverage for children appears to be cost- saving. Health insurance yields immediate improvements in the health of children, as- well- as long term returns of greater health and productivity in adulthood. The upfront incremental cost of health insurance for children is relatively modest, and they will be offset by the value of increased health capital gained in the long term.

Nowadays more children are getting regular well baby and well child exams, development screening, immunization and other needed care. When we invest in our children’s health care today, we are also investing in the healthy and productive adults of tomorrow. At a time when much of our attention as a nation is understandably focus on the challenges we face it’s worth pausing to celebrate the progress we have made towards improving our children’s health and with it our country’s future.

Children health insurance gives you access, to many hospitals located in your community. It is designed to provide you with access to a network of doctors, hospitals and other service providers. All have seen specially trained to care for children and teens. Children health insurance doctors and nurses are on call 24 hours a day, seven days a week.

It offers the following value- added benefits for members:

24 hours nurse helpline

Assistance with transportation to your doctor

An important part of health care is helping children to stay well.

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