Do any health insurance companies offer child-only coverage?
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Asked March 13, 2012
Health insurance companies do offer health insurance plans designed just for kids, but such policies are not available from all companies or even allowed by law in all states. You will have to check the laws of your state and research the different companies which offer child only policies. However, as the health care reform goes into effect between now and 2014, such policies will become meaningless, because children will be eligible for coverage through their parents policy until they are old enough to purchase a policy of their own.
Currently, half of the states in the country, arranged in no particular order, offer child-only health insurance. If you live in one the states that do offer such coverage, the next obstacle you have to cross is the enrollment period for the plan you choose. In some states, the enrollment period is the month the child was born in, in others it may be one or more months, such as Illinois, where the open enrollment is in January and July. Still other states have a time period where open enrollment is possible, such as Iowa, where the enrollment period runs from July first to the middle of August.
The best way to find out if there are child only health plans available in your state is to call the state Department of Insurance. You can find your department of insurance by selected your state within our state insurance guide section.
With the changes being made in the health care overhaul, there will not be any reason to seek a child only health plan by the year 2014. Since many insurance companies are making arrangements to comply with the overhaul already, it may be that your insurance company has already adopted the new rules. If that is the case, you should contact your insurance agent and ask them what the procedure for adding a child to the policy is.
Answered March 13, 2012 by Anonymous