Why Kids Need Health Insurance

Why Kids Need Health Insurance

Children are known for their adorable faces, their small voices and their magnetic attraction to germs. Being an adventurous kindergartner or a trendy pre-teen comes with its share of colds, coughs, bruises and rashes. You may not be able to protect your child from every little germ, but you can have peace of mind by having a health plan for your child.

One of the most immediate things you can do is get a health plan for your child. Many health plans include essential health benefits. Essential health benefits are a set of health care service categories that must be covered by certain plans.

Blue Cross and Blue Shield of Illinois (BCBSIL) 2019 Individual and Family Plans include important services like preventive care, pediatric services and vaccination coverage. These services are important for keeping your kids healthy and tracking their development as they grow. A health plan for your child will even cover their seasonal flu shot.

Essential Health Benefits

  • Ambulatory patient services
  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health disorder services
  • Substance use disorder services
  • Prescription drugs
  • Rehabilitative services and devices
  • Laboratory services
  • Preventive and wellness services
  • Chronic disease management
  • Pediatric services

Help Paying for Health Insurance

Two areas to pay attention to when shopping for a health plan are cost and doctors. If affordability is a concern, you still have options. You can see what plans fit your budget and your child’s needs by entering basic information on our website.

Providing information like family size, zip code and income will help to determine if you qualify for a subsidy. Last year many people learned they qualified for a premium tax credit or cost sharing assistance.

  • Premium Tax Credit– A credit through the marketplace based on your income that lowers your monthly premium.
  • Cost Sharing assistance– A discount that lowers the amount you pay for your deductible, coinsurance and copayments.

Why your child needs a health plan?

Health plans come in handy in all types of situations. A sprained ankle during basketball practice, a nasty fall during gymnastics or an unexpected ringworm outbreak at daycare – can all be treated by visiting your health plan’s network of doctors and hospitals.

Blue Cross and Blue Shield members, Amy and Justin Wallace recall how they felt after their son’s lung collapsed.

“It was very stressful from a mother's standpoint,” Amy said. “And the last thing that we wanted to have to worry about was the financial end of that. And having Blue Cross and Blue Shield insurance, we knew that we didn't have to worry about that.”

Having a health plan is a pretty big deal when it comes to raising your kids. So, unless you plan on putting your kids in a bionic bubble – having a health plan is the next best thing.

Have more questions about insuring your children? Head over to our FAQs or Ask a Question!

Last Updated: 10/2/2018