How do you get health insurance ONLY for kids, not adding on to parent's plan?

Question

I don't qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children's Hospital for our kids and it was fantastic. Great coverage for low rates. So of course they are stopping offering the plan. I keep going to rate quote sites, but they demand I be on the plan. Can't you just insure your kids?

Answer 1

Blue Cross and Blue Shield offers individual policies for children.

If you are lower-income, it is possible that you and your kids or maybe just your kids could be covered through a state program. Visit the link below, which takes you to the Center for Medicare & Medicaid Services. In section 1 click on your state, and in section 2 click on "State Medical Assistance Office," leaving the rest of the sections blank. This will display the Medicaid office for your state, which should be able to advise you on available health insurance programs and eligibility requirements.

http://www.cms.hhs.gov/apps/contacts/

If you need to compare prices (which I'm sure you do) check out the link below.

Answer 2

well i dont know anything about state programs in texas, but i do know that blue cross blue shield of texas will underwrite for children only policies.. however, each child has to have a separate policy.

Answer 3

Almost all health insurance companies will allow just a child to be on the plan.

Some companies do not but it is rare and other companies require a child to be at least a certain age (2 weeks old etc) but that is also rare.

Be sure that you are comparing quotes from at least 3 different reputable companies and that you are working with an honest agent that is not just blowing smoke and trying to get you to apply for a plan as well.

Here is some more information on finding children's health insurance:

Answer 4

i look around on the web and found this site about healt insurance

Answer 5

Most health insurance companies also offer a plan for children only.  

Below are several links to some of the most popular free on-line health insurance rating services.

http://click.linksynergy.com/fs-bin/clic...

http://www.anrdoezrs.net/click-2952034-1...

http://www.usinsuranceonline.com/usio/in...

http://www.jdoqocy.com/click-2977717-104...

http://www.anrdoezrs.net/click-3014621-1...

By using one or more of them you will receive rates from several of the top health insurance companies.

ALso before actually taking out health insurance make sure to check the companies rating.  You can do this by checking out Independent rating services.  For a list of these service check out http://mysite.verizon.net/ressg6c7/savin...

Answer 6

Sure you can, you just go to a local, independent agent, and ask them for some quotes.  It should cost you about $150 per month, per kid.

Answer 7

I just came across this website, you may find many useful information on health insurance quotes, hopefully may help you:

http://all-health-insurance-quotes.blogs...

Answer 8

Many carriers will issue policies on just the kids, you can spend hours researching on line to find each carrier in your state or you can call an independent broker who can tell you right away which companies will fit your needs. Try yellowpages.com to search for health brokers in your area.

I do know Unicare offers coverage for kids only in Texas.