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Best Health Insurance for Children

As a parent, ensuring your kids are getting the health care they need is priority number one. With the cost of medical care rising, having confidence that your kids have adequate coverage is critical.

However, many parents in California still find trouble getting child-only health insurance plans. Sure, most people purchase family health insurance policies that cover both children and adults. However, this isn’t a practical solution for all Californians.

In fact, there are many reasons why a parent may opt to buy insurance for their kids separate from a family policy. Some parents have group medical insurance at work, but those plans are too expensive to extend to their children. Others lack coverage, but the children need it for school, while others need to find affordable health insurance to satisfy the terms of a court order.

Let Us Help You Get the Best Health Insurance for Children

At Health for California, we understand the complexities of health insurance, and we’re ready to help you get the kind of quality coverage you can afford. Simply fill out the form above to get instant medical insurance quotes for your child. The form takes a few second to complete. No contact information is required, and you are under no obligation to buy.

What You Need to Know About Child-Only Health Insurance Plans in California

There are several child-only health insurance plans in California. These plans cover baby check-ups, school screenings, sports and some immunizations. The best part about purchasing these plans is that the kids tend to be will be protected and illness spotted quicker which means they will be a lot healthier, and save you a lot of money.

The two most popular insurance plans being offered by most carriers include:

  • HMO: In this plan, your child has to use the network to access covered services. Exceptions are made only for emergencies.
  • EPO: In this plan, your child has to use the network to access covered services, but you don’t need a referral from your primary doctor to see a specialist. Exceptions are made only for emergencies.
  • PPO: In this plan, services are cheaper when your child goes to a network doctor, but you have the freedom to get services from an out-of-network physician.

HMO plans may also require that you select a primary care physician for your child, and that physician has to refer you in the event you need to see a specialist. With an PPO and EPO, you are free to see doctors and specialists without a referral. However, you’ll find that your child may receive more benefits with an HMO if you live in an area with wider network coverage.

Other Things to Consider

When selecting health care coverage for your child, you’ll also want to consider the following:

  • Your Coverage: If you are covered by your employer, it may be more cost effective to purchase a child-only health insurance plan for your child instead of insuring them through your employer’s plan.
  • Your Income: Review the household income limits to see if you qualify for a tax credit. If you do qualify, and are not offered insurance through an employer, it is much more affordable to apply for a family insurance plan rather than a child-only plan.
  • Consider Medi-Cal: Check your household income to see if you qualify for Medi-Cal. Most employed people find that their kids can qualify for Medi-Cal, which covers medical services for their children at very affordable rates.

Your Partner in California Child Health Insurance

At California Health, we understand that navigating the world of child-only health insurance can be challenging, and that’s why we are here to help — whether it’s providing free, instant online quotes or assisting with the application process. All you need is your contact information, address, social security number, date of birth and citizenship or immigration details for your child.