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Children's Health Insurance Strategies by Insurance Companies

Posted Nov 02 2010 8:24am

I was not at all surprised to read about the new games some of the insurance companies are playing about insuring children. Some insurance companies now say that they will no longer have insurance policies available for kids. Others say that they will charge higher premiums for children. At this point, seven million children are not insured according to Robert Pear in an article in the 10/14/10 New York Times.

Because of the threats by the large, wealthy insurance companies, the government has announced that they will allow an open enrollment period for children so insurance companies do not have to offer year-around insurance policies covering  children. The fear of the insurance companies is that if a parent is given a serious diagnosis when a child becomes ill that they will immediately take out an insurance policy.

There are other ways parents can get insurance coverage for their chidlren, If finances are tight. Under the Medicaid and Children's Health Insurance Program (CHIP) some insurance is available depending on the income of the parents. In families with incomes under $44,000 for a family of four this insurance is usually possible. Oregon also has a Healthy Kids Connect program. There is a Web site at www.InsureKidsNow.gov that gives information about the different types of insurance  which are available. If a computer is not used, the number 1-877-543-7669 can be called.

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