Parents understand better than most the importance of securing a quality health insurance plan for their children. Aside from visiting the doctor for routine well checks, there are ear infections, injuries and a whole host of reasons why children need quality medical care they can depend on. However, it’s expensive to add a child to a group plan and not all parents have the option of employer provided insurance. You’re not alone if you’re looking for affordable coverage for a child but you’re getting frustrated. Here are a few facts that may help you find the right plan you can trust.
Health Care Reform is Here
In the past, finding health insurance for children only was nearly impossible. When the Affordable Care Act passed in 2010, many reputable insurance providers stopped providing child only policies because it was too costly and not profitable. For parents, even if you found a plan, often it lacked essential coverage, making it a challenge to meet your child’s needs. With more provisions of Health Care Reform taking place this year, things are about to change.
Increased Access and More Benefits
On October 1, 2013, the Online Marketplace is set to open. State run “exchanges” will provide parents access to more choices in health insurance for children only. Plus, every plan that is offered through the Online Marketplace must include certain benefits. For child-only plans, that means you can expect every policy to include coverage for vision, and other essential pediatric services. This is a big deal for parents because in the past, plans for children only were limited, and if they did include extras, they were often too expensive.
Peace of Mind For Parents
Health insurance for children only shouldn’t be hard to secure and hopefully as final provisions of the Affordable Care Act are implemented, we will begin to see significant changes in the way parents find, compare and secure quality medical coverage for a child. After all, parents deserve a little peace of mind- at least when it comes to knowing their children can get the medical attention they need when they need it most.