Health Insurance - What Parents Need To Know!

Parents should weigh all the options of a family policy to get the best for their children.

A good family health plan is a must when you want to ensure that your children get quality medical care so that care providers can treat everyday ailments and even the serious conditions which may require surgery or hospitalization. Family circumstances may vary but some basic points will be the same in all families.

Family health policies provide health insurance for children's preventive medical care, emergency care or inpatient hospital care. This means the insurance policy will pay a portion of the costs when a child sees a doctor for a checkup, vaccinations, and an accidental injury such as a broken arm, a surgical procedure, or treatment for a chronic health condition.

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When they take a family policy parents should have a clear picture about the protection it gives the family and children. Health insurance will cover a child’s dental care till they are 18 years of age – which include oral exams, gum health, dental x-rays, cleaning and tartar removal. Treatments recommended by the dentist like fillings of cavities and sealants to protect tooth enamel will be covered partially.

Along with dental health, vision is also covered, for example if the child needs glasses or contact lenses the cost of vision testing and visits to an optometrist or ophthalmologist and part of the cost for the contacts or glasses will be covered.

Family health insurance usually covers most of your child’s health care costs, though a parent should be prepared to pay a portion. These are the out-of-pocket expenses or deductibles.

Employer May Force Health Insurance on You
Employers have to pay fines if they don’t provide cover for more than 100 full time employees, though this does not empower them to force insurance on employees.

Parents should keep in mind that they will end up paying much more for trips made to the emergency room. A visit to the pediatrician or in-network doctor will work out more economical. At times if the child becomes sick and you don’t have a pediatrician’s appointment an urgent care center will be a better option. It is best not to rush to rush to the emergency room for running noses and sore throats.

Source: Bluecross Blueshield