Many people children are not covered with health insurance; they are mostly covered with limited benefits and high deductibles. If your kids cannot afford any healthcare coverage or your employment plan does not cover such fields, you do not have to worry. There are child programmes that are dedicated to providing affordable healthcare for your children
Enrolling the kid in public programmes
There are programmes that work together in different states to provide children living in low to middle income families with health coverage. Some of the most common examples include the CHIP and Medicaid programmes. They are run by the government. Children who are below 18 qualify for the programme based on the income of their parents.
Work with a private insurer
Children who are in low and middle income families qualify for low cost or free healthcare in some systems. Some insurance companies provide similar benefits to the same group of children. To find out, you will have to do extensive research based on your location. You can also communicate with your health insurance provider to find out if they offer the same plan. Most government services will provide reduced healthcare for children falling under specific categories.
Go to the local community health center
Local community health centres are good options for low cost medical care. You can take your children there for treatment, immunization, dental care, checkups, mental health care, to get prescription drugs and treated when they are sick. You can also get services in community health care centres even when you are pregnant or facing a substance abuse issue.
Depending on your income or situation, you could get a free service or low cost health care service. You can find community health centres near your location through Google maps or other official maps. Bear in mind that not all community clinics are open everyday
Talk to your personal doctors
If your children do not qualify for public health programme, they do not qualify for the services offered under your insurance coverage, and your deductible is high you can try and negotiate with the doctor’s foe a reduced rate. Normally people who are facing these kinds of issues try to negotiate with the paediatrician before they can get these services.
It sounds so strange but cutting deals with your kids doctors is more common than you think. You can start by asking for a hospital that accepts patients who are on a fee for service basis. With a high deductible, you should consider yourself a self paying individual. Do not hesitate to shop around for hospitals or a doctor who can provide healthcare at an affordable price.
Try paying less for prescriptions
Prescription medication can leave you broke, especially if you are catering for an individual who is enrolled in a health programme. A better way to manage medicine money is to try and switch to generic, compare pharmacies, find an over the counter alternative, contact the pharmaceutical in charge of the medication and look out for prescription samples. Call your child’s doctor for a low cost alternative or other options to help you pay less for the medication.