Applying for Low-Cost or Free Health Insurance for Your Children

2004-11-15 15:27

You probably have many questions about applying for low cost or free health insurance for your children. Here are some questions and answers to get you started.

I need health insurance for my children. What are my options?

Call 1-877 KIDS NOW (1-877-543-7669) or go to Your State's Program . When you call our free and confidential hotline, you will be directly connected to your state's program that provides either free or low-cost health insurance for children. The states have different eligibility rules, but in most states, uninsured children 18 years old and younger whose families earn up to $34,100 a year (for a family of four) are eligible.

How can I get more information on my state's program?

Simply click on Your State's Program or call the Insure Kids Now! hotline at 1-877-KIDS-NOW (1-877-543-7669). The call is free and confidential. When you call, you will speak with someone from the children's health insurance program in your state. They can send you an application and help you apply.

Is there a limit on the amount of time my child can remain enrolled?

Your child can stay on the program as long as he or she qualifies. Although there is no limit on the amount of time your child can remain on the program, you will need to renew their coverage periodically, generally every 6 to 12 months. As long as your children continue to meet the eligibility criteria established by your state, they can remain on the program.

What services does the insurance cover?


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In an effort to provide affordable medical insurance for my minor child, I called MNCare for information as to medical insurance for my daughter that did not live in with me and was told premiums were completely based on income. Unaware of the trap set for "absentee parents", once an application was completed for MNCare, a virtual"can-of-worms" opened up and now I am paying a heavy price. My childs mother (once my fiance' until this crap) and I have always worked together in raising our daughter without help outside of family. However, once that application for medical insurance through MNCare was completed, I am suddenly deemed a deadbeat dad; court-ordered 100% responsibe for medical expenses and forced to pay absorbanant medical premiums or else. The fact that I raised my oldest daughter on my own without help outside of family, means nothing. MY point: Why is it that medical insurance is "for-profit" and secondly; getting an honest answer or at least being warned of the pit-falls is unheard of?