Low-cost health coverage available for families who donít qualify for Medicaidcomment (0)
August 8, 2013
By Sondra Washington
Children also have additional health insurance options with the Affordable Care Act through a program called CHIP, or the Children’s Health Insurance Program. According to www.healthcare.gov, “CHIP provides low-cost health coverage to children in families that earn too much money to qualify for Medicaid. In some states, CHIP covers parents and pregnant women.”
Like the various insurance choices made available to other people and groups, states will offer different options for children’s health coverage. Yet all will have comprehensive coverage including routine check-ups, immunizations, doctor visits, prescriptions, dental and vision care, inpatient and outpatient hospital care, laboratory and X-ray services and emergency services.
In Alabama no-cost or low-cost insurance for children include Medicaid and ALL Kids programs. ALL Kids provides benefits for children under age 19.
“In general, children in families with incomes up to $44,100 per year (for a family of four) are likely to be eligible for coverage,” the www.insurekidsnow.gov site states. “In many states, families can have higher incomes and their children can still qualify.”
Now the new health reforms also ensure extended health insurance coverage to young adults up to age 26 through their parents’ insurance policies.
“If a plan covers children, they can be added or kept on the health insurance policy until they turn 26 years old,” www.healthcare.gov reports. “Children can join or remain on a plan even if they are married, not living with their parents, attending school, not financially dependent on their parents (or) eligible to enroll in their employer’s plan.”
These changes can be made through the health insurance Marketplace during open enrollment beginning Oct. 1.
For more information about ALL Kids including qualifications, income guidelines, applications, premiums and copays can be found at www.adph.org/allkids. For more information on coverage for young adult dependents, visit www.healthcare.gov.