Child-Only Health Insurance From BCBSNC
When the Affordable Care Act went into effect, one of the major changes it enforced was the availability of child-only health insurance plans in every state. This type of insurance policy is one in which only a child or children are covered; no adults are covered under this plan. If you have a child that needs his or her own health insurance Wilmington NC, then here are some basic things you should know about child-only health insurance plans.
No Denials For Pre-Existing Conditions (When Applying During Open Enrollment)
With the Affordable Care Act, insurance companies can no longer deny your child coverage if they suffer from a pre-existing medical condition – as long as you apply for coverage during an open enrollment period. If you apply outside of an open enrollment periods, which for 2016 coverage is from November 1, 2015 until January 31, 2016, then your child may have their application for health insurance declined, by any insurance company, if a pre-existing medical condition exists.
Open Enrollment Exemptions are Available if You Have a Qualifying Life Event
If you miss the January 31, 2016 open enrollment deadline, you may still be able to enroll your child in a child-only health plan if you experience what is known as a “Qualifying Life Event.” Such events can include moving to a new state, a change in your income, changes in your family size, and gaining membership in a federally-recognized tribe (or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder).
Insuring a New Baby
One common Qualifying Event is the birth of a child. If you have a baby and you’re uninsured, you have 60 days to buy insurance for yourself and your child.
Grandchildren Are Not Eligible (In Most Cases)
As a rule, grandchildren are not eligible to be covered under a grandparent’s health insurance policy, but there may be some exceptions in certain situations. If you are a grandparent looking to insure a grandchild, contact Schnitzer-Slate today and one of our licensed agents can discuss your options.
Contact Schnitzer-Slate for Affordable Child-Only Health Insurance in Wilmington NC
As a parent, you want the best for your child. Part of that means ensuring they have access to the healthcare services they need. If you’re looking for child-only health insurance, Schnitzer-Slate can help. We offer a wide selection of BCBSNC health insurance plans to choose from, many of which can be customized to meet your child’s needs.
Just call us at 910-338-0686 and one of our agents will help you choose the right policy for your child and budget. Or, just visit our website at http://healthplannc.com/ to learn more about affordable BCBSNC health insurance Wilmington NC.
No Denials For Pre-Existing Conditions (When Applying During Open Enrollment)
With the Affordable Care Act, insurance companies can no longer deny your child coverage if they suffer from a pre-existing medical condition – as long as you apply for coverage during an open enrollment period. If you apply outside of an open enrollment periods, which for 2016 coverage is from November 1, 2015 until January 31, 2016, then your child may have their application for health insurance declined, by any insurance company, if a pre-existing medical condition exists.
Open Enrollment Exemptions are Available if You Have a Qualifying Life Event
If you miss the January 31, 2016 open enrollment deadline, you may still be able to enroll your child in a child-only health plan if you experience what is known as a “Qualifying Life Event.” Such events can include moving to a new state, a change in your income, changes in your family size, and gaining membership in a federally-recognized tribe (or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder).
Insuring a New Baby
One common Qualifying Event is the birth of a child. If you have a baby and you’re uninsured, you have 60 days to buy insurance for yourself and your child.
Grandchildren Are Not Eligible (In Most Cases)
As a rule, grandchildren are not eligible to be covered under a grandparent’s health insurance policy, but there may be some exceptions in certain situations. If you are a grandparent looking to insure a grandchild, contact Schnitzer-Slate today and one of our licensed agents can discuss your options.
Contact Schnitzer-Slate for Affordable Child-Only Health Insurance in Wilmington NC
As a parent, you want the best for your child. Part of that means ensuring they have access to the healthcare services they need. If you’re looking for child-only health insurance, Schnitzer-Slate can help. We offer a wide selection of BCBSNC health insurance plans to choose from, many of which can be customized to meet your child’s needs.
Just call us at 910-338-0686 and one of our agents will help you choose the right policy for your child and budget. Or, just visit our website at http://healthplannc.com/ to learn more about affordable BCBSNC health insurance Wilmington NC.