Thursday, February 23, 2012

Where should I look to insure a child in another state?

I am currently doing research to find an affordable health insurance plan for a child in California, I live in Colorado. I'm not sure how to go about finding insurance in another state, especially for a child. She will be 12 in October. Any suggestions?Where should I look to insure a child in another state?Though it鈥檚 true (as one of your other respondents says) that it can be hard to find child-only coverage these days, it鈥檚 not quite so true in California. There are child-only plans available in the state. However, you may want to wait for a special enrollment period. Typically, for people under age 19, the month in which the child鈥檚 birthday occurs is her open enrollment period in California. Other enrollment periods can occur when the child loses coverage under a parent鈥檚 plan as the result of a divorce, etc.



You CAN apply for child-only coverage in CA outside of an open enrollment period, but it may increase the monthly premium costs.



To find out what鈥檚 available, work with a licensed agent in the child鈥檚 local area or online (at eHealthInsurance.com, for example). It doesn鈥檛 cost anything extra to work with a licensed agent and it can help you get a better overall picture of the options available.



Hope that helps.Where should I look to insure a child in another state?
The way to insure a child, in any state, is to have the adult who lives with the child in that state look for health insurance for that adult and the child. You personally do nothing, because you are not the adult who lives with the child. The adult who lives with her (or the parent who is in the same state as the child), not you, has to get insurance for that adult/parent and the child.Where should I look to insure a child in another state?You have to look to their custodial parent. Outside of child welfare health insurance - state CHIPS program, that the legal guardian must qualify and apply for, you can no longer buy "child only" health insurance policies, thanks to the Health Reform Act.Where should I look to insure a child in another state?
Get in touch with an independent insurance agent in California (north or south depending on where child lives) who is familiar with the child-only insurances and plans in California.Where should I look to insure a child in another state?You should get health insurance of your child
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