Secure the Best Health Insurance for Your Child
As a parent, having the right health insurance brings peace of mind when your child falls ill, gets injured, or needs urgent medical care. At Health Plans of NC, our experienced agents specialize in helping families find the perfect health insurance coverage, including child-only plans.
What is Child-Only Health Insurance?
Child-only health insurance provides comprehensive coverage tailored specifically for children. While family or individual plans often include children, they may have limitations. Child-only plans ensure your kids are fully covered for illnesses, injuries, and preventative care.
Health Insurance Options for Children
Affordable Care Act (ACA) Insurance ACA plans offer top-tier coverage. Our NC insurance brokers can help determine your eligibility for tax credits and guide you through enrollment. Special life events may qualify you for enrollment outside the open period.
Short-Term Health Insurance
Short-term plans allow year-round application and quick approval, making them ideal for urgent coverage needs. Short-term plans issued or sold on or after September 1, 2024, will be limited to total durations of no more than four months, including renewals. Note that these plans often exclude pre-existing conditions and have varied benefits.
Children’s Health Insurance Program (CHIP)
CHIP provides affordable health insurance for low-income families in North Carolina. It covers routine check-ups, dental care, and immunizations. Eligibility depends on factors like age, residency, and family income.
Why Buy Child-Only Health Insurance?
-School Requirements: Some schools require children to have health insurance and immunizations. -Urgent Coverage: Quickly arrange coverage if your child falls ill unexpectedly. -Missed Enrollment: Secure private or short-term insurance if you miss the open enrollment period. -Sports Participation: Many sports organizations require health insurance for child athletes. -Trip Coverage: Ensure your child is covered during school or group trips. -Avoiding Medicaid: If Medicaid isn't preferred, CHIP offers a viable alternative.
What’s Included in Child-Only Health Insurance?
Coverage varies by plan, but ACA-approved plans and CHIP typically include vision and dental care. Short-term plans may have fewer benefits, so check policy details carefully.
Need Help Finding the Right Plan?
At Health Plans of NC, we assist North Carolina families in finding the best health insurance plans for their needs and budget. Whether you need coverage for your children or the whole family, contact us today to explore your options.