Child Only Health Insurance in Florida

If you are a parent, you might have been spending some time lately looking for child only health insurance in Florida. After all, you might worry a lot about your children; it’s only human nature when you’re a parent, even if you have healthy kids. If your child is not covered, you could be worried about what could happen; you might think that your child isn’t getting the shots, vaccines, immunizations, allergy testing, autism care, and basic preventive care that he or she needs. You could also be worried about your child’s lack of accident coverage in case an accident happens. All of these things can definitely leave you concerned about your child’s health care needs and whether or not you’ll be able to cover necessary medical services for your child.

However, for whatever reason, you might not currently have health insurance for your kids or your babies. Regardless of your reason for not having health insurance on your children or infants, you should know that you are not alone. Seven percent of the children in Florida are uninsured. However, this does not mean that you shouldn’t be looking for health insurance for your kids or a newborn baby. Luckily, child only health insurance in Florida is an option for parents and might be the right choice for your family.

History of Florida Child Only Health Insurance

Florida child only health insurance was once a lot more common than it is now. In the past, parents who wanted a policy to cover just their children could easily get it by signing up with a popular private health insurance company. That is not the case nowadays, however.

As you might already know, healthcare reform has been a big thing over the past few years. Once Obamacare was signed into action, some major changes started happening. For one thing, it began to be harder for Florida parents to find high deductible or low deductible health insurance for their babies or health insurance for any child under the age of 18 for that matter.  It didn’t matter whether they are looking for an HMO or a PPO. Fortunately, this does not mean that it’s impossible to find a high deductible or low deductible HMO or PPO for your child. Even though it has gotten a bit harder to find, there are still Florida child only health insurance options out there.

A lot of people have found that the new Obamacare regulations regarding preventive care make a big difference as well. Now, Obamacare requires that preventive care is included in all child only health insurance plans in Florida. That means that if your child needs shots, immunizations, and vaccines, it’s covered.  This fact is typically most enjoyed by parents of newborns because it seems they have to go to the doctor quite often during the first 12 months of their lives.  Also, every appointment typically included immunizations or vaccines of some kind.  Your newborn baby will be covered for wellness and preventive care once you purchase Florida child only health insurance. This is the case for older kids as well, although people often notice the difference more with infants because their newborn baby has to have more regular appointments than their older children.

Why Shop for Child Only Health Insurance in Florida?

When you think about buying health insurance for kids that are under the age of 18 or health insurance for your babies, you might not immediately think about child only health insurance. Instead, you might think about signing up for a plan through your employer’s group plan. This is not the only or even the best option for some Florida families, however.

There are various scenarios in which families find themselves looking for affordable health insurance for children only. These are a few situations in which Florida residents might find that child only health insurance is the best choice for their families:

• If you’re going through a divorce, child only health insurance in Florida might be the best choice. For example, you might live in another state rather than in Florida but may want to ensure that he or she is covered with plenty of network options in Florida. You might have even been ordered by the court to purchase child only health insurance in Florida.
• If you’re in a temporary custody situation, you may not want to add the child to your plan. Instead, you may want to look for child only health insurance in Florida to make sure that the child is covered. Temporary health insurance or short term health insurance might be a better choice.
• Your child could be losing his or her existing coverage for some reason. For example, you might have lost your employer-sponsored plan, or your child might no longer qualify for Florida Medicaid.
• You might not feel that your family’s current plan is a good fit for your child. For example, your child might need autism care or allergy testing. Your child might need more than preventive care, and you might be hoping for better accident coverage or better coverage overall. With affordable health insurance for children only, you can purchase a plan that covers your child more adequately than your regular Florida family plan.
• If your child is a student, you may want to look for temporary health insurance or short term health insurance. Florida child only health insurance can help you ensure that your child has the coverage that he or she is expected to have as a student in Florida.

Securing Child Only Health Insurance in Florida

Florida child only health insurance that has ample accident coverage can be easier to find than you might think. During Open Enrollment or during your Special Election Period, you can sign up for coverage from a company that offers affordable health insurance for children only.

However, you could be wondering how you can actually find one of these plans. Fortunately, we make it easy. You can actually compare cheap Florida child only health insurance options with reasonable office visit copays right here online. After you do your online comparison of rates and quotes you can ensure that you are buying the best coverage with the most reasonable office visit copays for your child. Plus, you’re sure to find that shopping for coverage online is much more convenient, particularly since you’re a busy parent.

Residents from these top five cities and elsewhere across the Sunshine State use our online tool to compare rates on child only health insurance in Florida and quotes from top providers:

• 1. Miami, FL
• 2. Orlando, FL
• 3. Tampa, FL
• 4. Jacksonville, FL
• 5. St. Petersburg, FL

Florida child only health insurance options are always changing, but these are some of our recommended companies. You can look for affordable rates and quotes and can compare them online on our website.

• Cigna
• Aetna
• United Healthcare
• Blue Cross Blue Shield – Florida Blue
• Humana
• Anthem
• Kaiser
• Humana

Medicaid Alternative to Child Only Health Insurance in Florida

For those who are looking for cheap rates and quotes for coverage for their children, Medicaid might be an appealing option. If your family qualifies, this can be a good way to secure cheap coverage. Plus, you do not have to wait until Open Enrollment or a Special Election Period to sign up for this type of child only health insurance in Florida.

However, since Medicaid does have its disadvantages — such as a restrictive network and the fact that your child can be dropped due to household income changes — it’s smart to do a comparison of rates and quotes for other companies. Then, you can make sure that it’s actually the right choice for your child.

If you live in Florida and want to find Florida child only health insurance, then we are here to help you out. Shopping for coverage is so much easier than many people realize, even with all of the changes that have been going on in the health care industry. If you use our website, you can quickly and easily get started with finding child only health insurance in Florida.

Helpful Resources

We help parents find health insurance quotes so that they can purchase affordable health insurance policies for their children. If you are looking for a low-cost option like Florida Kidcare through the Children’s Health Insurance Program or if you’re interested in Medicaid programs and Medicaid services, check out these state and federal government resources:

• healthcare.gov