If I have health Insurance through my employer. And my child has child health plus. Do I need to put on my health Insurance plan
Health Insurance For my child?
- Posted:
- 3+ months ago by Khalilah1...
- Topics:
- child, plan, plus, health, insurance, employer, health insurance
Details:
Answers (2)
If you’re self-employed or you don’t qualify for health insurance through your employer, you can purchase an independent family plan on the Affordable Care Act (ACA) Marketplace. ACA family plans are more affordable than buying an individual plan for each member of your family.
Every plan you see on the ACA Marketplace includes at least the 10 legally required essential health benefits for both you and your child. Some essential benefits include preventive care, vaccinations, lab tests, and hospitalization. ACA plans must also cover vision and dental care for any children under the age of 19 on your plan.
Children's Health Insurance Program (CHIP) is a low-cost health insurance program for families who earn too much money to qualify for Medicaid. Each state has its own standards for CHIP income regulations. CHIP also covers pregnant women in some states.
The specific health insurance options available to you will depend on where you live, how much money you earn, and your family size.
Under current law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old. Children can join or remain on a parent's plan even if they are: Married.
Children and teens can stay covered as long as they qualify. You'll need to renew their coverage once a year.
If you already have health insurance through your employer and your child has coverage under Child Health Plus, you do not necessarily need to add your child to your employer’s health insurance plan.
Here are a few things to consider:
1. Child Health Plus is a comprehensive insurance plan that covers most medical services for children at low or no cost. If it meets your child's health needs, keeping them on this plan might be enough.
2. Adding your child to your employer’s plan may increase your monthly premiums. Compare the costs and benefits of both plans to see which one offers better coverage and savings.
3. Make sure Child Health Plus covers the doctors, specialists, and treatments your child needs. If there are gaps in coverage, you might consider adding your child to your plan for more complete protection.
4. Check if your employer requires you to cover your child under your plan if they are eligible.
In short, if Child Health Plus works well for your child's needs and is affordable, you may not need to add them to your plan. However, review both options to ensure your child has the best coverage.