Child Only Health Insurance

If you were trying to get a health insurance plan for your child, you probably have realized that no one will write more. All of the major carriers such as Aetna, CIGNI, Humana, etc, will no longer accept the request for a child if a parent or guardian is also a form with them.

Fortunately, we found a way to write the child only health insurance plan. But let me give you a little background first.

Although the new health law implemented several important changes, some of them have unwanted consequences. This is what happens when you pass the 2700 page bill without reading it.

The new law requires insurance carriers to accept children under 19 years regardless of existing conditions.

In response to this policy, insurance carriers have decided that they wanted to plan a parent with a child to try to alleviate some of the costs of covering these conditions. That's why you're running around like a chicken with head cut off, trying to find health insurance for their child.

We were able to get around this new edict by using something called a short-term insurance.

Short-term insurance is a full major medical plan with certain restrictions. specifically:

plans must be renewed every 6 or 12 months (depending on where you live). They do not cover pre-existing conditions. They do not cover well care or checkups. There is usually no co-pays for office visits or prescriptions. Everything is going according to the deductible.

In addition to the above, they will provide adequate coverage in case of medical events. I consider them more of a "just in case" type of plan. Most importantly, they will accept a child without parents to plan with them.

There is no alternative and it's stupid not to have health insurance coverage for their children.

you can improve those plans with the extras.

suggest an accident plan that will cover accidents or injury without complying with the plan odbitne.Plan for the whole family is about $ 40 a month.

One of the plans offer a cost effective option that provides 24 hour consultation with a physician. This is a very valuable feature because they can rely on recipes for a few minor problems over the phone.

can also add professional negotiation services to plan for about $ 7 a month. They will find the lowest prices of the tests, surgery and other costly treatments. They will also negotiate for you to get the best possible prices for health services.

Until Congress fixes the mess they have made health insurance, we will all have to put up with the shortcomings of the new law. If you are a better way to cover children under the age of 19, I'd tell you about it.

Of course, you can contact me for more information. These plans are available in most states.