Insurance

Often times our children’s insurance is not adequate enough or are not approved due to pre-existing health conditions which can leave us to feel uncertain about their future. We have compiled a list of options through government programs and individual insurance to assist and offer hope for your child’s well-being.

• Pre-Existing Condition Insurance Plans: These new insurance plans are available to U.S. citizens in all 50 states with a pre-existing medical condition who have been uninsured for 6 months or more. These plans provide comprehensive insurance coverage with no pre-existing condition exclusions. In most states, the monthly premium for the standard option plan ranges from about $116 to $626. (There is no health status rating, per se, for these plans, but the premiums are age rated. So the older the person, the higher their premium.) People who live in Georgia, Florida, Nevada, Arizona, and Virginia who’ve not had access to high-risk-pool coverage in the past may find this to be particularly helpful.
• Community Assistance Programs: Thirty states have received funding to provide assistance to consumers and patients experiencing difficulties with their health insurance. For instance, CAPs will help consumers who need help filing complaints or appeals with their insurance companies, answer questions about their rights and responsibilities with respect to insurance coverage, or help individuals sign up for coverage. (And for those states that did not apply for or receive CAP funding, HHS’s website, www.healthcare.gov/consumerhelp, will direct folks to other resources in their state, such as state Insurance Commissioners’ offices or state Attorneys General’s offices that may also provide this type of help.)
• Facts about Congenital Heart Defects and Filing for Disability- Facts about filing for SSI with CHD.
• Wikipedia – Health insurance in the United States
• Insure Kids Now! – To learn more about health insurance for infants, children and teens in your State: Make a free call to 1-877-KIDS-NOW (1-877-543-7669).
• Social Security Disability Insurance Program – The Social Security disability insurance program (sometimes referred to as SSDI) pays benefits to you and certain family members if you worked long enough and paid Social Security taxes. Your adult child also may qualify for benefits on your earnings record if he or she has a disability that started before age 22.
• Health and Human Services – Centers for Medicare and Medicaid Services
• How Stuff Works:
  How Health Insurance Works
  How Provider Networks Work
  How PPO’s Work
  How Coinsurance Works
• Answers.com – Health Insurance definitions
• America’s Health Insurance Plan’s
• Health Insurance Association of America – Guide To Health Insurance