The truism that babies bring joy to their parents’ lives cannot be overemphasized. Nevertheless, it is imperative to note that this “bundle-of-joy” comes with numerous responsibilities. Newborn babies require special handling not only with parent’s warm affection and cozy blanket but also with proper medical care. As a new parent, you have a responsibility to ensure that your baby gets access to quality medical services to make sure that he/she grows to become a strong and healthy adult.
However, access to quality healthcare can sometimes be hindered by financial constraints. That is why getting an insurance cover for your baby is extremely important; you don’t want your child to be denied access to quality medical care when you need it most. Below is a discussion of some important points you should keep in mind as you considering a baby insurance coverage.
- Babies Need Special Health Coverage
An insurance cover that worked well for you and your spouse may not be adequate when you consider the new needs for prenatal care, delivery, and the well-baby visits for the first two years after delivery. Furthermore, you must be prepared for any health complications that may arise along the way. Remember that insurance policies vary significantly in terms of coverage, co-payments, and deductibles. Thus, investing some time in finding the right insurance policy to cover you and your baby is important because you can customize the plan to cover special medical needs for you and the baby at a reasonable cost.
- Babies Need Preventive Care.
Once your baby arrives, it is imperative to understand that preventative care is the key to safeguarding his/her health. It is, therefore, crucial to ensure that your child gets an insurance policy that covers vaccinations. This will make sure that your baby gets all the necessary vaccinations whether you have the cash to pay for them or not.
- Children are Prone to Injuries and Diseases
Before babies develop a strong immune system, their health could be severely affected by bacterial and viral attacks. Besides, children’s world is full of adventures, and this puts them at a significant risk of accidents. Thus, in addition to covering your baby against common diseases such as cold, your baby’s insurance should cater for injuries that your child could experience as he/she grows. Although it is something that you really don’t want to think about, your child’s insurance should also provide coverage for emergency room visits as well as ambulance rides.
- Comparing Different Baby Insurance Policies
Many insurance companies are offering varying insurance policies at different prices, but generally, baby health insurance is reasonably priced. Nevertheless, you can get the best value in health insurance for children by getting a plan with relatively high deductibles but rich in preventive and office-based care. For instance, you may also consider a health savings account for your baby. Basically, this plan has generous preventive care and high deductibles. In some cases, it offers 100 percent coverage after the deductible is met. All in all, you must ensure that the children insurance policy you go for offers:
- Choice of health care provider
- Regular doctor visits
- School Physicals
- Dentist visits including cleanings and fillings
- Prescription Drugs
- Hospital care and services
- X-ray and laboratory tests
- Treatment of special health care needs
- Mental health care
- Eye examination and glasses or contacts
- What about the Children’s Health Insurance Program?
The Children’s Health Insurance Program (CHIP) provides low-cost medical coverage to children in Families that earn too much to qualify for Medicaid. If your baby qualifies for CHIP, you won’t have to buy an insurance plan for him/her. Each state has CHIP coverage working closely with states’ Medicaid programs. However, each state has their own rules concerning who qualifies for the CHIP program. Thus, you should find out from the relevant state agency if your baby qualifies for CHIP.
Overall, it is apparent that if you have a baby or you are expecting one, getting an appropriate health insurance for him/her is something you should be thinking about. Toddlers are prone to accidents and disease, and you cannot afford to take chances when it comes to matters of their health. Having a proper insurance policy for your baby will help you ensure that he/she can access quality healthcare at the minimum cost possible.