Recently hellobabybump.com exposed how many mothers were worried that they won’t be able to provide the healthcare service that their children deserve. Something as simple as carrying around a backpack diaper bag for you child can be an important health care concern. Some of the reasons are they don’t have the budget to get a better health insurance or their employer who provides a free insurance doesn’t cover most health services. But the truth is, there are other means for you to find an affordable, sometimes even free medical services, for your children. Here are a few:
Medicaid and CHIP are two of the public health programs provided by the government. Medicaid provides health benefits for those who have limited sources of income. Chip, on the other hand, does the same thing, though the income requirement for a parents’ child to be eligible for this program is lower than what Medicaid requires. Each state has its own guidelines. For more information you may visit, InsureKidsNow.gov or HealthCare.gov or call 1-877-KIDS NOW (1-877-543-7669).
Private health insurance companies now provide more choices for every family because of the Patient Protection and Affordable Care Act. To know which plan works best for you and your children, visit HealthCare.gov. This website will let you know the plans available in your area and will also help you compare prices and the benefits included.
LOCAL COMMUNITY HEALTH CENTER
Local community health centers is a good place for you to maximize the benefits that the government provides. Your children can benefit from checkups, immunizations, dental care, prescription drugs, and even mental health care. There are also times that they will provide free medical services, depending on your situation and what you are earning. Visit the Department of Health & Human Services (DHHS) health center page and enter your zip code under “Find a Health Center” to know about the local health center near you.
TALK TO YOUR DOCTOR
If you don’t have access to any of those mentioned above, you may try to talk to your doctor regarding your situation. Your doctor can help you find cheaper procedures or alternative brands of medications. Make negotiations because doctors are open to these.
These hospitals are for those who have limited to no access to health care services because of situations such as the status of their insurance, limited income or health condition. Your income must be a gross income of less than $23,550 per year for families with four members. For more information, visit DHHS’S safety-net hospital page.
FAMILY VOICES FOR SPECIAL NEEDS
If your child is someone with special needs, an organization called Family Voices can help you. They offer contacts, support, and information on pediatric health issues available per state. Since it’s a Family-Family Health Information Center, every state office is managed by parents who have children with special needs.
This can all be overwhelming, but thorough research will help you find affordable means of providing healthcare services to your children. Don’t be afraid to ask questions because this might lead you to find the one that works for you and your family. Be open to suggestions. Don’t be blinded by an insurance company’s marketing strategy. Study each and every choice so that you and your children will be able to maximize all of the benefits provided.