Child only health insurance is a great option for families today. Securing medical coverage for your family can be a challenge, particularly when you’re looking for health insurance quotes for children only. As a working parent, maybe you receive coverage through work, but it’s not financially practical to add your child on a group policy. Maybe you are self employed and need comprehensive coverage for your child. Regardless of the reason, health insurance quotes for children only are available to fit your needs and your budget. Here are just a few of the ways we can help you find exactly what you’re looking for.
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Reliable Quotes: Quick and Easy
What’s the trick to finding the most competitive health insurance quotes for children only? Simple. You can find healthcare for kids by shopping around. By comparing both coverage options and costs from a few different providers, you can get all the information you need to make the most informed decision quickly.
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Trusted Providers for Trusted Coverage
Like most parents, you want the best for your child, and when it comes to securing health insurance, the highest quality is a priority. We work with “A” rated providers, those companies that have been helping folks just like you get the best coverage for their children for years. These are the top rated companies who have worked hard to earn a reputation for delivering excellence across the board. After all, trusted providers equal trusted coverage, and when it comes to your child, nothing but confidence backed by the best company should do.
Health Insurance Quotes For Children Only- Helping You Make an Informed Choice
Buying health insurance is important. But with all of the coverage options, quotes and details, it can get a little confusing. Get peace of mind and confidence in knowing you’ve made the right decision for your family by letting us help you make an informed choice. With top providers, cutting edge quoting technology and everything you need in one convenient place, we’ve made it easy for you to secure the quality coverage you need at a price you can afford.
The Importance of Prevention
While most children enjoy good health, it’s important to take the right steps to keep them healthy. As a part of daily activities, kids will be exposed to many other children and environments with less than ideal sanitation. Having the right health insurance for kids is one way to protect their long-term health. You may even want to look into dental insurance for kids.
While growing up, health insurance for babies starts the process of taking the necessary steps to ensure a healthy childhood. From the time they leave the hospital, kids require regular medical care. This includes wellness checkups and periodic immunizations. Even when nothing seems wrong, using health insurance for children allows the parents to have their children evaluated for indications of normal growth and other precautionary checks. Your doctor can also help you understand child obesity statistics and what you can do to keep your children healthy.
These checks are important, as many childhood problems are easily dealt with if they are caught early enough. Of course, having the right health insurance for kids helps when the child is ill or has an accident.
Common Childhood Wellness Checks
While many of the physical changes observed during normal growth of a child are taken for granted, a health care provider has a number of standards they evaluate during a wellness check. They also evaluate internal, mental and nervous system development during these periodic checkups. Following are a few of the items checked during the wellness checks covered by most providers of health insurance for babies and growing children:
Two to Four Weeks.
- Growth. At this first checkup, a number of measurements are taken and measured against national standards and percentiles. This starts the process of monitoring for any major variance from these standards.
- Immunizations. Hepatitis B is provided at age two months or one year. Parents will be advised on how to detect any side effects.
- Nutritional Issues. Well babies at this age are fed by breast milk or formula. Babies will be checked for normal eating habits and reaction to feeding times.
- Growth. Continued monitoring against national standards.
- Immunizations. The child will receive immunizations including DTaP (diphtheria, tetanus and pertussis)/Hib (haemophilus influenzae)/Polio; Rotavirus, Hepatitis B (if not given earlier), Pneumococcal conjugate.
- Nutritional Issues. Breast milk or formula is still the normal means of feeding. Parents are warned not to give any solids or cereals and to not use any honey. Some babies will be provided with 400 international units (IU) of daily vitamin D as a supplement.
Two Months to 12 Months
Well babies should be scheduled for well visits every two months during this first year of growth. Health care providers will follow the same process of checking for normal growth and slowly moving the child to normal eating of small bits of solid foods and cereals.
- Growth. Continued monitoring against national standards.
- Immunizations. The child will receive immunizations including Chickenpox (varicella), Hib (Haemophilus influenzae), MMR (measles, mumps and rubella), Hepatitis A (two doses six months apart are needed by 24 months), Pneumococcal conjugate.
- Nutritional Issues. Breast feeding should continue as long as the child will accept it during this period. Formula may be replaced with whole cow’s milk. Juices should normally be avoided, and soft foods such as fruit and infant crackers are good transition foods.
Months 15 and 18
Wellness visits during these two periods will continue the standard for checking growth and feeding habits. Any immunizations missed will be completed and any other observations of issues will be addressed. Labs may be ordered if the child has been in for any other illnesses or any variances are detected. Checks for anemia, lead poisoning or tuberculosis may be driven by variances in growth or other factors. Most table foods are acceptable at this age, while avoiding small, hard and round foods such as popcorn, nuts and whole grapes. Supplements, including vitamin D, may be recommended by the health care provider
Normal measurements will be taken and the child might be tested for anemia or tuberculosis if any signs indicate a need for such. Children should be feeding themselves and not using bottles. Supplements may be prescribed by the doctor and foods heavy with calcium, such as cheese and yogurt, recommended. Unless other factors are involved, the next well visit will be scheduled for three years.
Three Years to Five Years
Any child will probably have experienced various childhood colds and minor illnesses. Measurements will verify normal growth and all immunizations will be checked for completion, including two doses of Hepatitis A. Most children will be moved to low-fat milk while kept on calcium-rich foods.
The Kindergarten Visit
Prior to starting school, most children are required to have a physical and obtain verification of immunizations.
The health care provider will:
- Continue to measure and benchmark growth against national averages.
- Conduct hearing and vision tests.
- Verify immunizations for MMR, polio, chicken pox, and DTaP.
- Evaluate the need for a tuberculosis PPD test. If this is given, a return visit is required.
- Evaluate the need for screening for anemia and or additional tests, such as urine.
- Examine overall health record and look for any indications of concerns or problems.
Grade School Years
Visits should be conducted at least every two years if there are no illnesses in between. The child will continue to be measured and monitored for any growth variances. Additionally, weight issues will be identified if they indicate a tendency to obesity or other problems. Certain supplements, including vitamin D and calcium, will often be recommended.
Males and females will have different medical exam issues during their teenage years. However, it is common to deal with:
- Growth. Continued monitoring of growth patterns, including any variances or abnormalities detected. Doctors will often focus on the issue of weight, either low or higher than norms.
- Immunizations. Certain boosters and additional immunizations are called for during the teenage years. These include a second varicella (chicken pox) vaccine, HPV (human papillomavirus) for girls, and menningococcal vaccine is recommended for many as protection against bacterial meningitis.
- Normal issues. Teenagers will often have medical concerns over acne, depression, anxiety, insecurity, potential addictions, and other issues. A health care provider can help parents choose proper plans of treatment for these concerns.
As this detailed list shows, health insurance for kids only and even babies is important to cover many of the normal health needs of the childhood years. However, there are other childhood issue that can make it important to have coverage, even if it is child only health insurance.
A few of the situations, other than accidents, include these less commonly known childhood illnesses:
- RSV (Respiratory syncytial virus). Although many parents are unfamiliar with this term, it is a disease more common than even seasonal flus. It presents many of the same symptoms of influenza, including runny nose, coughs, and fever. It is normal for children to be exposed to this malady prior to the age of two. Left unattended in babies, RSV is the most frequent cause of pneumonia and bronchitis, which are inflammations of the lung. While less than two percent of all children with RSV require hospitalization, it is a special problem for preterm babies. An RSV problem may persist for up to two weeks and is often considered by many as a common cold. Children do not develop immunity to this infection and may have it several times while growing up.
- Croup. A number of viruses are responsible for the croup and many are the same which cause the common cold. The croup is distinguished by a loud, barking cough that reminds one of a seal bark. While croup is seldom fatal, it results in hospitalization in as much as six percent of the cases. The croup is fairly common, with as many as six in a hundred children a year coming down with it, most younger than six years old. The main treatment for coup is similar to colds and flu, with a focus on maintaining normal breathing.
- Scarlet Fever. While once a greatly feared disease among children, it is now treated easily with antibiotics. It is often mistaken for strep throat and causes a rash and sore throat. A high fever is common and the scarlet fever rash usually starts on the chest and abdomen before spreading widely. Some children develop what is called strawberry tongue with a white coating and red taste buds. The child’s face will often flush, with the mouth area appearing pale.
- Impetigo. Most often found in children between the ages two to six, impetigo is a skin infection caused by bacteria. It is third in number of occurrences among all childhood skin maladies. One reason it is so common is it is highly contagious and can be transmitted to and from adults. The infection first appears as clusters of bumps or sores on the skin. These are itchy and fluid weeps from them, with a brownish crust often forming. Simply touching one of the sores or the fluid will spread the problem to others.
- Kawasaki Disease. A rare disease, it is important to know its symptoms as this illness is potentially fatal. There is no known cause for the disease, which causes a high fever, bloodshot eyes, chapped lips and swollen lymph nodes, hands and feet. The main danger of the disease comes from its tendency to inflame the heart’s vessels and damaging the heart. Most children getting the disease are under the age of 5.
- Reye’s Syndrome. Most parents are aware of the warning to not give aspirin to children. The potential for Reye’s Syndrome is at the heart of this warning. This disease is quite dangerous but fairly rare today. Parents should watch for it after a case of flu or chickenpox or any other viral disease. The main damage from the disease is to the liver, and it can cause brain swelling and erratic behavior. The rate of fatalities from this disease is as high as 30 percent. The warning about aspirin was announced by the CDC was announced in 1980 and the number of reported cases has dropped significantly.
- Whooping Cough (Pertussis). Another bacterial infection that is highly infectious, whooping cough affects both children and adults. It is more dangerous in smaller children as it can affect the ability to breathe. All children should be vaccinated against pertussis. All adults who are around children need vaccinations or booster shots since the vaccination wears off after five to 10 years. The CDC reports that the disease is so serious more than 50 percent of all babies who contract it require hospitalization.
- Fifth Disease. This is another malady that is not commonly known. However, as many as 20 percent of all children contract it before the age of five, with a full 60 percent experiencing it before leaving the teenage years. While not considered serious, it can cause severe joint pain, even mimicking the onset of rheumatoid arthritis. Fortunately, the pain usually subsides within three or four weeks. The most common symptom is a red rash on the cheeks, sometimes giving it the name the slapping disease.
In addition to these more unusual issues, most children will experience one or more of the following childhood problems requiring medical attention:
- Pinkeye and/or conjunctivitis
- Ear infections
- Diaper rash
- Colds and coughs
- Nausea and vomiting
While it is not necessary for a child to receive doctor’s care for every one of these illnesses, it is important for parents to understand symptoms and potential problems. The immune system in children is not fully developed and some diseases can get out of control very quickly. Parents who have health insurance for their babies and children will have peace of mind and access to necessary medical care during these times.
Children are naturally active and adventuresome and will normally encounter a fair share of bumps, bruises, and scrapes will growing up. Having adequate health insurance for children is important when these common problems are more serious, such as broken arms and cuts requiring stitches.
According to the CDC, more than 12,000 children under the age of 19 die each year from unintentional injuries. They also estimate 9.2 million children receive treatment in an emergency room each year for unintentional injuries. More than a quarter of these injuries were due to falls and males were more likely to be injured than girls, according to the reports. Animal bites, stings, being struck by an object and vehicle accidents topped the list of causes.
The range of accidents and mishaps encountered by children run the gamut from falling out of trees to splashing antifreeze in the eyes. Accidents actually cause four times the deaths in children under age 15 than the next leading cause. Of all accidents, nearly 40 percent of all resulting in fatalities occur in the home, and nearly one in every five children under the age of 15 experiences some form of accident needing care every year.
Even with childproofing and care, it is expected that every family will deal with some or all of the following while raising children:
- Burns, including electrical, sunburn, boiling water, and flames. The many sources of these burns include stoves, matches, cigarettes, fireplaces, heaters, and hot water
- Poisoning from swallowing pesticides, shampoos, perfumes, medicines, cleaning products and improper room ventilation
- Strangulation and choking from toys, coins, balloons, batteries, neck ties, necklaces, cords, and ribbons, among many other causes
- Injuries to the head, nose and extremities from falls, collisions, and thrown objects
- Items stuck in noses and ears such as pills, stones, marbles, peas and beads
- Cuts and scratches from multiple causes, including knives, pets, sharp objects, sticks, furniture and toys
- Fractures, sprains and breaks. Any number of causes will create fractures in children’s bones, particularly because of soft areas around the ends of the growth plates
While the list goes on, everyone knows the challenges of growing up and learning to deal with the obstacles often encountered. Children lack balance and good judgment and often find themselves in situations causing injuries requiring some degree of medical attention and, often, a trip to the emergency room.
Taking Advantage of Coverage
Of course, the most important thing when dealing with childhood diseases and injuries is care and prevention. The importance of the wellness visits described above cannot be overemphasized. Childproofing, immunizations, good health habits, and training all play a role in protecting children.
However, as the above information and statistics show, there is no replacement for having adequate health insurance for babies and children. Parents can include kids coverage with their family plan or request health insurance quotes for children and for child only health insurance. Plus, the changing health care environment and the implemenation of Obamacare and CHIP (Childrens Health Insurance Program), makes a number of options available to parents wanting to cover their children with health insurance.
Having the peace of mind children will get the care they need when illness or injury strikes is a great aid to the process of parenting.