For Your Kids
Getting insurance as an unemployed adult can be a confusing process. Programs for children, however, are far more accessible. Two joint Federal-State programs — Medicare and SCHIP (State Childrens Health Insurance Program) — make it possible for children under the age of 18 to gain comprehensive health care at little or no cost.
These programs are intended for low-income households. The threshold varies by state, but in general your kids qualify if your family income is under $34,000 (for a family of four). In some states, the threshold may be even higher. According to Insure Kids Now!, a service provided by the U.S. Department of Health and Human Services, the children of unemployed adults will almost always have a health insurance option provided the parents are not collecting substantial residual income.
Coverage varies by State, but typically includes:
- Diagnostic screening and preventative services
- Inpatient and outpatient hospital care
- Physician visits
- X-ray and laboratory
- Emergency services
- Prescriptions
In addition, most states also cover:
- Dental
- Vision
- Medical equipment
It’s Easy
These programs are designed to be easy from start to finish. Even the application processes are typically straightforward, and there are plenty of people on hand to help you through it. For more information children’s health insurance in your state, contact Insure Kids Now! at (877) KIDS-NOW or visit them online at www.insurekidsnow.gov
