The main purpose of child health insurance is to ensure your children’s safety from different critical situation as well as their future prospects. So, it is quite challenging for every parents, as they have to keep in mind that their child must get the best policy as well as their own financial condition. But normally getting a proper & affordable health insurance for children might not be so tough if you know the right way & possibilities.
There are two main options for your child’s insurance:
1) Medicaid: It’s only available for the families whose monthly income is too low to bear any insurance policy.
2) SCHIP (State Children's Health Insurance Program): SCHIP is only for those families who were earning a decent income for every month & not fulfilling the criteria for qualifying Medicaid.
It is clearly advisable that if your income is low, then you must go for Medicaid insurance services. After getting your application it will be reviewed & verified by the officials to confirm your eligibility for Medicaid. This insurance program initially covers pregnant women and their babies along with children who are under 18.
SCHIP is the other way of getting insurance for those children who do not fulfilling the criteria for qualifying Medicaid. This insurance program is founded & amended by the federal law & it has its own criteria which differ from state to state. It will best for some one who opt for SCHIP is to contact with the Department of Insurance (DOI) of their respective state to get affordable child health insurance according to their needs.
