Even if your child is healthy, this guide will help you get them the protection they deserve before the get sick or injured.
- Step 1: Contact a community health center to see if they offer low-cost primary health care in case of emergencies.
- Step 2: Inquire about the Medicaid program for you and your child. Don't be afraid to ask for help; there's no shame in trying to protect your family.
- FACT: Americans spent $2.3 trillion on health care in 2008 or about $7,681 per person.
- TIP: Requirements for each state can differ, but most children under 18 years of age whose family makes less than $44,500 a year are eligible.
- Step 3: Check with your state's Children’s Health Insurance Program, or CHIP, for eligibility by calling 1-877-Kids-Now.
- Step 4: Ask about a COBRA if you lose your job, but wish to have you and your family covered until you find new employment.
- Step 5: Contact the major private health insurance companies and ask about programs for children and get quotes.
- TIP: Though private health insurance can be expensive, certain programs may offer discounts for healthy kids.
- Step 6: Check with your employer to see if your child is covered or can be added to your policy if you have health insurance through your job.