| Children need regular medical care to grow up healthy | | | | $2,000. Indemnity plans are the most expensive health |
| and strong, and children's medical insurance is | | | | insurance plans. |
| necessary to provide the ongoing care they need. | | | | Managed health care plan (HMO, PPO, POS) - If you |
| Here's how to get inexpensive medical insurance for | | | | want a plan that will save you the most amount of |
| children with a reliable company. | | | | money, but doesn't allow you to choose your doctor or |
| Government Health Insurance Programs for Children | | | | hospital, then a managed health care plan (HMO, PPO, |
| Every state in the U.S. has a government sponsored | | | | POS) is what you need. These plans assign you to a |
| health insurance program that covers babies, children, | | | | network of hospitals and doctors which you use for |
| and teenagers. These programs are available to | | | | your health care. PPOs and POSs will allow you to |
| low-income families at little or no cost. They pay for | | | | choose a non-network doctor for an added fee. With |
| doctor visits, hospital fees, and prescription medicines. | | | | these plans you pay a co-payment for each doctor |
| To find out if you're eligible for a government health | | | | visit (usually $5 to $10), and your insurer pays the |
| insurance program and to learn more about these | | | | medical bill. These plans are the cheapest health |
| programs, visit the U.S. Department of Health & | | | | insurance plans. |
| Human Service's Insure Kids Now website at: | | | | Inexpensive Private Medical Insurance for Children |
| insurekidsnow.gov. | | | | To find inexpensive medical insurance you have to |
| Private Health Insurance Plans for Children | | | | comparison shop, and the quickest and easiest way to |
| Indemnity (fee-for-service) plan - If you don't qualify for | | | | do that is to go to an online comparison website |
| government health insurance and want a plan that | | | | where you can get rate quotes from a number of |
| allows you to use your own doctor and hospital, then | | | | companies. Insurance premiums can vary by hundreds |
| an indemnity plan is what you want. These plans pay | | | | of dollars for the same insurance, so the few minutes |
| most of your medical expenses (usually 80%) after | | | | you spend at an insurance comparison site will be well |
| you pay a deductible of anywhere from $500 to | | | | worth you while. |