Health Insurance for Children in Ohio
There are a variety of options when it comes to health insurance for children in Ohio. If you receive a health insurance plan through your employer, it may be cost-efficient to add your family including your children to the plan. In some cases employer provided health insurance is very expensive, or not available at all depending on where you work. If this applies to you, there are other options. You can seek private insurance from a wide variety of different companies. If you meet certain income criteria, you may be able to get medical assistance through a government program.
If you are looking for private insurance, one fantastic tool to use is the Internet. By performing a basic search engine query you can track down insurance companies all over the country who offer family and individual health plans. If finances are a factor you may choose to insure you children only rather than yourself and your spouse as well. However you may find a family plan is the most economical and makes the best sense. Regardless of what you choose it is imperative that your children have some sort of medical coverage as youngsters need preventative medicine such as vaccinations as well as medical care if they get sick or injured.
Studies have shown that on average, kids get more colds and various types of infections which require treatment than adults do. This is because they are exposed to large groups of other children at places like day care centers and schools. They handle the same items and germs are easily transferred from one child to another. Also, it is natural for a child to want to explore the world around them. Sometimes, this leads to injury. Kids get cuts, sprains and broken bones -- all of which require medical care. Without insurance, your child's medical bills could become very expensive over the years.
The government funded program that provides health insurance for children in Ohio is SCHIP, which stands for the State Childrens' Health Insurance Program. Children who are uninsured or underinsured whose families meet the guidelines can get Medicaid or a related state program that takes care of medical costs. This includes preventative medicine like checkups and vaccinations, emergency treatment for illness or injury, doctor visits, and even prescription drugs. Some plans may require a co-pay, which is a small amount of money paid to the doctor's office and/or pharmacy at each visit. Your case representative can explain the programs available in more detail and tell you what is covered, what is excluded and if you will be responsible for any of the costs.