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Can You Buy Health Insurance For Just Your Child [2021]

New York State has a health insurance plan for kids, called Child Health Plus. Depending on your family's income, your child may be eligible to join either Children's Medicaid or Child Health Plus. Both Children's Medicaid and Child Health Plus are available through dozens of providers throughout the state.

can you buy health insurance for just your child

We review your case each year to see if your children still qualify. This is called your yearly renewal. If we need your help to renew coverage we will contact you either by phone or mail (if we have your current mailing address and phone number). If we have contacted you to tell you that it is time to renew coverage, you may complete your renewal in the following ways:

The Affordable Care Act (ACA) provides individuals and families greater access to affordable health insurance options including medical, dental, vision, and other types of health insurance that may not otherwise be available. Under the ACA:

Visit to apply for benefits through the ACA Health Insurance Marketplace or you'll be directed to your state's health insurance marketplace website. Marketplaces, prices, subsidies, programs, and plans vary by state.

If you have questions about specific parts of your insurance plan, you must contact your insurance company to get answers. Only your insurance company can answer specific questions about doctors, medications, treatments, medical equipment, and what is and is not covered under your plan.

Most health insurance plans and Medicare severely limit or exclude long-term care. If you want coverage, you may need a separate long-term care insurance policy. These questions can help you evaluate long-term care insurance policies.

Medicare provides medical health insurance to people under 65 with certain disabilities and any age with end-stage renal disease (permanent kidney failure requiring dialysis or a kidney transplant). Learn about eligibility, how to apply and coverage.

Note: Some parts of the Affordable Care Act ("Obamacare") are being changed or eliminated via government policies and laws. It is likely that some of the rules and regulations affecting the health insurance marketplace will continue to change over time. To stay up to date on Obamacare and other health insurance issues, visit and the website of the health commissioner's office in your state.

To help people get health insurance, the federal and state governments set up a health insurance marketplace (also called the health care exchange). This makes it easier than ever to get coverage, but the process can seem a bit confusing.

Before you look for a health insurance plan, check to see if you or your child can get coverage some other way. The government considers a person covered if they have Medicare, Medicaid, a state-run child health insurance plan (CHIP), or insurance they get through a parent or spouse's job. Your child could already be covered by or be eligible for free or low-cost coverage through a public program.

If you need to get insurance for yourself or your child, you can go online and visit the U.S. Government's comprehensive health care website ( There, you can apply for CHIP or Medicaid or shop for a plan.

It's important to remember, however, that you can only buy insurance through the health care marketplace during the open enrollment period, which begins in mid-November and lasts until February. If the enrollment period is over, you or your child may have to get insurance through a private insurer to be covered for that year.

In some states, the health care exchange is run by Other states run it themselves. If you live in one of those states, you can visit your state's official marketplace website directly or link to it through

Applying for an insurance plan through the health care marketplace can be done online through or a state site, over the phone, or through regular mail by filling out a form that can be mailed to you or downloaded from the Internet.

If you have a job that offers health insurance but you're not happy with it, you can choose to get coverage through instead. But before you apply, you'll need to fill out a form called an Employer Coverage Tool that can be found on the website.

The application will ask for standard information like your name, your child's name, your address, phone number, and email. You'll need to answer questions about citizenship, dependents, and whether you plan to file a federal income tax return the following year.

If you want help paying for insurance, you will have to provide information about your yearly income (and the income of anyone else applying for coverage). This includes income from jobs and other sources like:

Once you've submitted an application, or your state's site will determine if you or your children qualify for Medicare, Medicaid, or CHIP. It will also determine if you or your children are eligible to get insurance through the health care marketplace. For most people, if you're an American citizen or legal immigrant and you're not in jail, you'll be eligible.

Although it's unlikely, sometimes parents are eligible to buy insurance through the health care marketplace but their children aren't. Sometimes kids are eligible but their parents aren't. If either of these apply to you, you would have the right to appeal the decision, and you could still get private insurance for anyone needing coverage.

If you're eligible for coverage but don't qualify for any publicly subsidized programs, the health care marketplace will present you with the insurance plans available in your state based on your income and family situation. It will be up to you to decide which policy to buy.

The important words to remember when shopping for a policy are "premium" and "deductible." The premium is the amount you pay each month for coverage. The deductible is the amount you need to pay each year for medical services before your health insurance kicks in. As a general rule, insurance plans with low premiums have high deductibles, and plans with high premiums have low deductibles.

Once you've signed up for a plan and paid the first month's premium, you or your child can start using the insurance. The insurance company should send you and everyone covered by your policy insurance cards with your policy number and other information. If you or your child need to see a doctor or go to a hospital before you receive your card, call your insurance company first to make sure your family has been entered into their system.

You should also make sure that any doctor you choose for you or your child is in your insurance plan's network. A network is made up of doctors, specialists, and other health care providers who have agreed to work with your insurance company when it comes to payments and services. If you take your child to a doctor who isn't in your plan's network, you may have to pay full price for some services.

Ask around and learn what you can about the primary care physicians in your plan's network, and then choose a doctor you like. Once you've done that, schedule checkups and use your insurance to help keep your family healthy.

Children's Medicaid is a health care program for children in low-income families. CHIP is a health care program for children without health insurance whose families earn too much to get Medicaid but cannot afford health insurance.

No, you must take action at the time your renewal is due. This will ensure eligibility workers can process the renewals in a timely manner and allow time for connections to other health care coverage for those who may no longer qualify for Health First Colorado or CHP+.

You can change your Primary Care Provider (PCP) at any time by visiting or calling 303-839-2120 or 888-367-6557. For TDD/TTY, call 888-876-8864. Call Monday to Friday, 8 a.m. to 5 p.m. The call is free.

If you have questions about your Health First Colorado health plan, visit or call Health First Colorado Enrollment at 303-839-2120 (in Denver) or 1-888-367-6557 (outside of Denver). Hours: Monday-Friday, 8:00 a.m. to 5:00 p.m. (closed state holidays). Note: The Health First Colorado Enrollment number is not for information on benefits or to find out if you qualify.

To find out more about choosing your Health First Colorado health plan, visit call Health First Colorado Enrollment at 303-839-2120 (in Denver) or 1-888-367-6557 (outside of Denver). Hours: Monday-Friday, 8:00 a.m. to 5:00 p.m. (closed state holidays). The Health First Colorado Enrollment number is not for information on benefits or to find out if you qualify.

Managed care is a group of doctors, clinics, hospitals, pharmacies and other providers who work together to take care of your health care needs. We refer to these groups as Managed Care Organizations or MCOs. For more information please see the Accountable Care Collaborative page.

If you do not qualify for Health First Colorado, you have other coverage options. You will need your Case Number to find out if you qualify for financial assistance to help buy private health insurance through Connect for Health Colorado.

Your Health First Colorado card should arrive in 7-10 days. Your card will be sent to the address on your application. You can also print your Health First Colorado card through PEAK. You should always bring your photo ID with you when you see your health care provider or go to the pharmacy. You do not need a copy of your Health First Colorado card to get medical services.

It is important to know that it may take a few extra days once you are enrolled for your health care provider to confirm in their system you are enrolled in Health First Colorado. If you have questions about your coverage or benefits, please call the Member Contact Center.

That really depends on your income and your needs. Medicaid, followed by CHIP, ACA, and private insurance. Short term health insurance for child is inexpensive, but not comprehensive. Employer-sponsored health insurance rates could be lower than private insurance, but again, that depends on the kind of coverage your employer offers. 041b061a72

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