Florida Health Insurance for Children
The new healthcare legislation, sometimes referred to as "ObamaCare" has effectively eliminated child-only health insurance in Florida. All of the major carriers have discontinued offering this type of plan.
However, we can still write health insurance for children without the need for a parent to be put on the plan. These plans are underwritten by an "A" rated carrier and will provide low-cost coverage for your children until our government can fix the mess they put us in.
We offer child-only health insurance in 20 states. Go to our special health insurance for children website (click link)
PLEASE NOTE: This is the only Florida health insurance plan we are aware of that will permit a child to have health insurance without a parent on the plan.
Florida Health Insurance Plans for Children - What is Available
The way this carrier gets around the new legislation is by using short term insurance. The plans are written for a term of up to 12 months and can be renewed. They require a one day lapse to renew for another 12 months. However, we can give you a plan that will pick up coverage during a lapse. You just need to call us when it is time to renew.
We sincerely hope that the Congress will realize that you cannot pass a healthcare bill without reading it and fix this obvious problem. Nevertheless, in the meantime, you will have multimillion dollar coverage for your kids.
The plan is available in various deductibles from $250 up to $7,500.
||Up to $2,000,000 Lifetime Maximum per Covered Person
||Choice of Coverage Periods of up to 6 or 12 months (12 month option is not available in all states)
||Doctors Office and Urgent Care Center Visits - $50 Co-pay (Maximum of 3 per Covered Persons)
||Choice of deductibles - $250, $500, $1,000, $2,500, $5,000, $7,500 or $10,000
||Coinsurance options of 80% or 50% up to either $5,000 or $10,000
||Freedom to choose any doctor or hospital
||Child Only Coverage available - minimum age two years old
||Foreign Travel (medical care while in a foreign country) covered up to $25,000 (After a $250 benefit deductible)
||Choose to pay premiums two convenient ways, in a single up front payment for 30 to 180 days, or pay by convenient monthly installments
Optional Benefits - Extra Care Package:
If you sign up for the plan you will see an option on the payment page for the Extra Care Package. This package has some very interesting and useful benefits.
CallMD - You can speak with a physician at any time on the phone for a consultation. In most states, the physician can even call in a prescription for you to your local pharmacy. I am sure you will immediately realize what a cost savings this can be.
Dental Services - This is the Careington Dental Discount plan.
Lab Services - This is a discount program from Direct Labs. They seem to be available throughout the United States and will give you a substantial discount on all lab tests.
24 Hour Nurseline - You can talk to a nurse at any time.
While the plan offers complete coverage, you can supplement it with an inexpensive accident plan.
An accident plan pays for medical expenses at the emergency room for accidents or injuries. There is a $100 deductible.
The rates, and remember this will cover everyone in the family; parents and children, are:
$5,000: Family $35.95 per mo. / $7,500: Family $41.95 per mo. / Family $47.95 per mo.
For a direct link, click on Family Accident Plan
are the special health insurance programs that Florida offers?
Please keep in
mind that most of these programs have income limitations. Complete details
can be found at www.floridakidcare.org.
health insurance for children - KidCare
KidCare Medicaid is a benefits-rich package for eligible children, 0 through
18, whose family income is within certain limits. Children can now enroll
in Medicaid through Florida KidCare, with no personal interview involved.
There is no cost to families for KidCare Medicaid. Parents or guardians
of enrolled children have different options when selecting a managed care
program. They may choose a health maintenance organization (HMO) or MediPass,
a primary care case management (PCCM) program. The Choice Counseling program
helps families make this important decision.
Title XXI (the federal Child Health Insurance Program) raised the Medicaid
income limits for some Florida children. Before Title XXI, teens age 15
through 20 had to be living at or below 28% of the federal poverty level
(FPL). After Title XXI, the percentage became 100% of FPL.
health insurance for children - MediKids
MediKids offers the same benefits-rich package as KidCare Medicaid but
is not an entitlement program. It is for children ages 1 through 4 who
are not Medicaid-eligible. Family income can be up to 200% of the Federal
A family's monthly premium for MediKids is $15. There are no costs for
services. Families have a choice of health care providers and state-contracted
health insurance for children - Florida Healthy Kids
Florida Healthy Kids (FHK) is a public/private partnership that provides
comprehensive health insurance for school-age children (ages 5 through
18). Younger brothers and sisters of enrolled children are also covered
in some parts of the state. Florida Healthy Kids is available in most
counties and will soon be statewide.
Most families pay $15 per month per family. Families that earn more than
the maximum income may buy FHK insurance at full price - if their children
are otherwise eligible.
There is no cost for well-child care. Some services have small copayments,
such as $3 for prescriptions and $10 for eyeglasses.
Coverage is provided through commercially licensed insurers.
Florida Healthy Kids does not enroll children all year. It has certain
"open enrollment periods" (with deadlines) when new children
may enroll. Also, each county can accept a limited number of children.
Families should submit a Florida KidCare application right away. If a
deadline is past or the program is full and your child is eligible, we
will let you know and put your child on the list for the next open enrollment
Medical Services Network
The Children's Medical Services Network (CMS Network) is a health plan
for children under age 19 with special, on-going health care needs, such
as spina bifida, leukemia, diabetes, and behavioral health problems. It
provides medical services, therapies, supplies, or equipment.
A monthly premium of $15 is usually required. There is no cost for services.
CMS Network physicians, hospitals, and other providers are specially qualified
to work with children with special health care needs.
The Behavioral Health Specialty Care Network (BHSCN) works in partnership
with the CMS Network to provide comprehensive behavioral health services
(mental health and substance abuse) to children with severe needs. Services
are delivered by provider networks that contract with the Florida Department
of Children and Families.
Links for Child Health Services
Florida Agency for Health Care Administration
Florida Department of Health
Florida Department of Children
Health Insurance Study
Florida Healthy Kids
Institute for Child Health Policy
Alliance for Health Reform
Children's Defense Fund
Insure Kids Now
For More Information on any of our plans, call us at 800-272-0512.
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