Child health insurance is a primary concern for many parents, and so should be the alarmingly high number of uninsured kids for the government. Most children benefit from health coverage through their parents insurance or through family plans, but there are families that do not qualify for the public insurance system. In such cases, the solution for child health insurance and more could come from the private sector. The most common and popular type of model in the United States is the employer-provided insurance. Medicaid Services and Medicare have also come up with plans for low income families that do not qualify for the majority of health plans.
Statistics indicate that children who receive coverage through their parents' employers represent 60% of the overall number of the insured. Some other 5% are insured directly through the private market, while almost 30% have access to the public sector through Medicaid and other national programs. A very high number of American children are uninsured either over short periods of time or permanently. Fortunately this percentage will get lower, but things seem to become more and more difficult in the context of the financial crisis that affects an increasing number of families.
In the US, child health insurance is also available through the State Children's Insurance Program sponsored from allocated public funds. According to the national program, each state has a budget and an individual program of administration that allows for the decision of the criteria necessary to qualify for such child health insurance. The families that are eligible for the program are either out of work or have very low revenues. Within this kind of insurance system, the child immunizations, the doctor visits, the hospitalization and the emergency services are either free or very cheap.
The risk of not having child health insurance are incredibly high. Many parents try home treatments in the attempt to save money but they only manage to worse the health condition. Treatment would nevertheless be more expensive when the problems aggravate. For instance, a minimal family health insurance plan would save the parents from huge expenses. Information and awareness are therefore two of the most significant elements that could reduce the number of problems that the lack of insurance could generate.
By: Robert Thomson