If you are a parent or a guardian of a child under the age of 19 and are concerned about their health coverage, and are looking for possible child health insurance alternatives, you are in the right place. The new health care law of 2010 in the USA has created, and is still creating quite a whirl, both inside and outside of the US Congress, but there is good news when it comes to health insurance for children. One of the critical provisions of the new law was about providing children under then age of 19 health insurance without the pre-existing clause, that is, the insurance company does not have the right to reject an applicant 19 or younger due to a pre-existing condition.
Intial hurdles of the new health care law of 2010
Initially, the insurance companies fought back by refusing to cover anyone under the age of 19 with individual, child only health insurance policies. This situation clashed with many state laws that prohibit age discrimination. The situation is far from settled, but at this time, some insurance companies are accepting health insurance applicants under the age of 19 and some aren’t.
When for some reason or another, a child doesn’t have an option to sign on to a group plan with one of the parents, and is not eligible for income-based state insurances such as Medicaid, Healthy Families and similar, and he or she has what is considered a pre-existing condition and there isn’t an insurance company that will insure him or her individually, then the new law offers a way out.
Applying for individual health insurance
As we will see later, if there is not a possibility for signing the child up on a group plan through one of the parents work, it is important for a child to apply for an individual health insurance. Despite reports otherwise, not all health insurance in all states have stopped selling health insurance to children under the age of 19. So, it will be possible to find an online signup page, and apply for an individual health insurance, regardless of the child’s pre-existing condition.
The temporary but helpful way out for children with pre-existing conditions
For children with pre-existing condition such as one of the following: asthma, obesity, disability, and other, the newly introduced PCIP plan (Pre-existing Condition Insurance Plan) kicks in after the child has exhausted all other insurance options. You have to show the proof that the child was declined health insurance, has been without the insurance for six months, and without much trouble, you will be able to sign up the child for the PCIP health insurance.
But what to do during the six months waiting period?