You’ve probably heard a lot of different ideas and opinions about the Affordable Care Act, but if you’re a parent, you likely are most concerned about how healthcare is changing for children. And you’re in for some good news! The ACA has provisions designed to provide comprehensive coverage for children—coverage that cannot be denied or dropped due to preexisting conditions or illness.
By 2014, individuals and families (that do not currently receive employer-subsidized health insurance) must obtain a healthcare plan or pay a hefty penalty. This new law will significantly reduce the number of uninsured children, which is still at a record low of one in 10 (or 7.6 million) children. These new private health insurance policies now offer many of the same services as Medicaid and CHIP, providing many preventive services at absolutely no cost. These services include various immunizations, blood pressure and autism screenings, iron supplements and many more preventive measures designed to keep children healthy.
For children under 19, insurance carriers must also cover (not necessarily for free) pediatric dental and vision care, maternity and newborn care, emergency services and mental health services. Under the ACA, children can now choose to stay on their parents’ plan until age 26. Young adults can weigh the differences in price and coverage between their parents’ plan, an employer-subsidized plan and an individual marketplace plan. However, in this poor economy, young adults may not have access at all to employer-subsidized insurance, making it necessary to stay on their parents’ plan or purchase private insurance through the marketplace.
When selecting health insurance for your family, you may want to contact insurance carriers to inquire about plans that include your current pediatricians and doctors in their network, access to pediatric specialists and surgeons, rehabilitative services such as physical therapy and vision and dental care.
Wondering which plans are best for your children? Call Prime Insurance Agency at (630) 539-0123 for more information on Schaumburg health insurance.