Where to Get Inexpensive Medical Insurance for Children

Children need regular medical care to grow up healthy and strong, and children's medical insurance is necessary to provide the ongoing care they need. Here's how to get inexpensive medical insurance for children with a reliable company.





Government Health Insurance Programs for Children





Every state in the U.S. has a government sponsored health insurance program that covers babies, children, and teenagers. These programs are available to low-income families at little or no cost. They pay for doctor visits, hospital fees, and prescription medicines.





To find out if you're eligible for a government health insurance program and to learn more about these programs, visit the U.S. Department of Health & Human Service's Insure Kids Now website at: insurekidsnow.gov.





Private Health Insurance Plans for Children





Indemnity (fee-for-service) plan - If you don't qualify for government health insurance and want a plan that allows you to use your own doctor and hospital, then an indemnity plan is what you want. These plans pay most of your medical expenses (usually 80%) after you pay a deductible of anywhere from $500 to $2,000. Indemnity plans are the most expensive health insurance plans.