Many Michigan families include their children on their own health insurance policy, but this is not always the best solution. In some cases, adding kids to group health insurance plans might be very expensive. In other cases, a parent needs to buy child only health insurance plan because he or she does not live in the same city or state as the kids. Additionally, a sizable portion of Michigan kids do not live with either parents, but they are raised by grandparents or other family members. In some cases a short term health insurance plan for a child in Michigan can be a great low-cost option.
Fortunately, you comparing health insurance plans for children in Michigan is a little easier thanks to the Affordable Care Act and the Children’s Health Insurance Program (CHIP Coverage). On our website you can compare free quotes on kid’s health insurance plans in Michigan. We also recommend speaking to a licensed insurance agent and visiting healthcare.gov or the health insurance marketplace in Michigan.
Before considering your a children’s health insurance plan in Michigan, it might be helpful to review some statistics about individual health insurance plans in the Show Me state:
Public health insurance programs, like Medicaid and the Children’s Health Insurance Program, do provide a valuable safety net for kids who cannot get private or group health coverage. However, these health plans are usually very restrictive HMOs, have strict family income requirements, and may take some time to qualify for. A children’s health insurance plan in Michigan will provide important health benefits like:
When you need to buy health insurance for children only, you probably need coverage quickly to satisfy school and after-school activity requirements.
Alternatively, guardians and parents can choose the type of medical plan they need and apply fairly quickly with a private insurance carriers. Since health insurance rates are mostly set by age and location, kids are usually cheap to cover. You can get child only health insurance insurance in Michigan quotes for children online or through an insurance broker.
It might be helpful to compare two popular types of health insurance choices. These are HMOs and PPOs, and they both use a network of medical providers to help members save money and simplify claims and billing.
Consider the differences between these two type of health plans:
With either type of coverage, members are encouraged to visit network medical providers. For example, a health insurance company that offers a PPO might cover visits to out-of-network doctors, but it costs less to see an in-network doctor. However, an HMO may not cover out-of-network services at all unless it is an emergency.
The right choice really depends upon the child’s health needs, where you live, and your budget. If your child has a chronic health issue that requires frequent doctor’s visits, you might be better off with higher levels of coverage. If your child usually only visits the doctor once or twice a year for a checkup or required vaccinations, you may save money by selecting a low-cost health insurance plan and paying more of the costs out of your own pocket.
In any case, you can use free online health insurance quotes for children to find available plans in your city and compare prices. You can always call the company or a broker if you need more information before you make your decision.