Child Only Health Insurance

Health insurance is one of the most expensive items in the budget for the average person. The cost of having even a minimal plan can be difficult for people to afford. While many adults can get away with not having the proper health insurance, kids cannot. In order for children to maintain a healthy body, they need to have regular visits to the doctor. These visits are very costly without insurance, so that is why many companies are now offering child only health insurance. These policies cover kids only and allow parents to have an affordable option to get their children the medical care they need.

In the first six years of a child’s life, their regular visits to the doctor are what give them the best chance to lead a healthy childhood. For parents that don’t have health insurance benefits, they often skip these visits because it is too expensive. Adults can get away with not seeing the doctor very often as long as they don’t have any major health issues. This is where a child only health insurance plan makes the most sense. Parents can afford the monthly premiums, which range from $60 – $100, and children get the regular health care they need to grow up healthy and strong.

Another aspect of getting a child only health insurance plan is to remember that children are not able to care for themselves or deal with illness/injury the same way that adults are. When an adult gets a cold, they can get some over the counter medicine and deal with it. When children get something like a cold or the flu, their bodies need to be taken care of differently. They are most likely going to require a visit to the doctor, and that can cost hundreds of dollars without the proper insurance.

Making room in the budget for this type of insurance is a matter of priorities. With the total cost being similar to a cell phone or cable bill, it is important to keep the most important things in order. Having a child only health insurance plan can save hundreds of dollars a year, so it is definitely worth the monthly investment. It is inevitable that kids are going to need to see the doctor multiple times each year, and parents need to have something in place to get them the care they deserve.

If you have any questions, feel free to give us a call. We’ll try and answer any questions you may have.