Do you have a special needs child? You are not alone. According to the U.S. Centers for Disease Control and Prevention, around 1 in 6 children in the United States has a developmental disability or other special health care need.
Health insurance is one of the biggest concerns for families with children with special needs. It’s important to remember that having a child with special needs does not automatically disqualify you for health insurance coverage.
If you work for an employer that provides health insurance, your child may be eligible for coverage under the plan, even if he or she has special needs. However, if your employer only offers limited benefits plans, it may be difficult to find affordable coverage for your special needs child.
If your employer does not offer health insurance or you work for yourself, you’ll probably need to purchase your own family health insurance policy on the individual market. Individual policies are more expensive than employer-sponsored plans, but they may be your only option if you don’t have access to an employer plan.
The National Conference of State Legislatures reports that nearly all states offer some type of high-risk pool or similar program to help individuals purchase coverage if they are unable to find private health insurance due to a pre-existing condition like autism spectrum disorder.
As a parent, you want the best healthcare for your child. If you don’t have insurance or if you’re looking for new coverage, now is the time to find a plan. Our licensed agents are standing by to answer all of your questions about our plans, including which one is right for you and how much it will cost. We can also help with enrollment.
The Affordable Care Act (ACA) makes it possible for families with children who have special needs to get affordable health insurance. You may qualify for savings on monthly premiums and out-of-pocket costs if your household income is below 400% of the federal poverty level (FPL). You may also qualify for Medicaid or CHIP if you make less than 138% of FPL in most states but not all–some states allow people who make up to 150% FPL qualify as well.
It’s important to have health insurance, not only for you and your family, but also for your special needs child. There are various reasons for this, but the main reason is, of course, that you want your child to be as healthy as possible. Health insurance helps keep these costs down by giving you access to a healthcare professional who can provide the invaluable service of helping you and others keep your child healthy.
Secondly, there is often a large amount of paperwork involved in securing health insurance for a special needs child. When you get health insurance through [company name], we will help you with this process.
It’s also important that you have an understanding of what health insurance coverage entails before you purchase a plan. This way, if there are issues later on, you’ll know what to do.
If your child has special needs related to food allergies or other allergies, it’s also important that they have coverage for those issues. By getting health insurance through [company name], we will be able to assist you in finding an effective and affordable solution for this issue.
Today, there are approximately 7.5 million children with special needs in the United States. This can be attributed to an increase in survival rates for premature babies and children with congenital diseases. Many parents are understandably not sure of how to proceed when it comes to getting health insurance for their special needs child. Whether you have a newborn, or your child is no longer a minor, you will want to know what options are available for them.
Children under the age of 26 are eligible for health insurance under their parent’s plan if they are unmarried and don’t have kids of their own. Your child may also qualify for Medicaid or CHIP. These programs help cover costs that aren’t covered by private insurance plans, such as dental and vision care, eyeglasses, specialist and emergency services and more.
If you’re looking for health insurance options outside of those offered by employers or the government, the Affordable Care Act (ACA) provides subsidies to help cover costs. There are also policies that cover long-term care which can be beneficial if your child has severe disabilities. You may also consider purchasing life insurance as well as disability insurance to protect your financial security in the event of your death or disability.
You also may be eligible for coverage through the Children’s Health Insurance Program (CHIP). Depending on where you live, your income, and your family size, this program will provide free or low-cost health care coverage for your child. We can help you navigate the application process and ensure that your child receives comprehensive coverage.
If neither of these programs are right for you, we can also help you find private insurance options. The good news is that private health insurance companies cannot avoid offering coverage to children with pre-existing conditions, thanks to the Affordable Care Act (ACA).