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Most families choose to purchase medical policies that cover all of the adults and children in the family, but some have a need to purchase child only health insurance here in the Blue Grass State. If you only need health insurance for babies, young kids, or teens, you should know that top insurers can can accommodate you. Since children are usually fairly inexpensive to cover, most people can find affordable health insurance for children only.

What to Know About Kentucky Health Care for Kids

Before selecting a plan, it might be helpful to learn about children’s health care in the state. These are some facts from the Children’s Defense Fund and the U.S. Census:

  • Percent of Kentucky population under 18: 23.2
  • Percent of Lexington-Fayette population under 18: 21.2
  • Percent of uninsured Kentucky children in 2011: 9.4

Children need insurance to ensure access to good health care, and they may also need it to participate in school activities. Many families are quite satisfied with child only health insurance policies for a variety of reasons. For example, over 35,000 grandparents say they are responsible for raising children, and that includes over 3,000 in Louisville and over 1,900 in Lexington. In other cases, parents might not have insurance, or group benefits might cost more to extend to kids than private coverage would.

Affordable Health Insurance for Children Only from Assurant Health Insurance

Assurant is one highly-rated company that offers plans for adults and children in Kentucky. Furthermore, all plans include minimum essential coverage as defined by the Affordable Care Act. The company offers popular PPO plans, that offer more flexibility than an HMO, and some plans are compatible with HSAs.

The company tries to offer affordable plans by offering many different choices, and these include:

  • Customers can choose from a variety of high deductibles and low deductibles to manage monthly premiums and out-of-pocket expenses.
  • The company offers plans with prescription and office visit copays.
  • In-network preventative services are covered at 100 percent.

Which Health Insurance is Best for Your Kids?

The right choice really depends upon your budget, the doctors you need, and where you live. For example, a PPO plan helps family save money with a plan network, but that network may be very different in Meads than it is in Ironville. Make sure your favorite doctors and the types of doctors you need are included on the list of network providers.

We can help you shop for insurance by providing free online quotes. Simply enter your ZIP code to get started, and call us at any time for help.