How to Get Affordable Child Health Insurance in California

More than one million children in California do not have health insurance. That means these children may be lacking basic well-baby care, vaccinations, and dental care, not to mention necessary care during an illness. Here are the options that are available for affordable child health insurance in California.

Employer Insurance

Most Californians receive coverage through their employers. This is the most economical form of insurance, as the employer usually pays part of the premium. However, small companies may not be able to offer affordable coverage to their employees.

Government Assistance

The California state government offers several programs to help families afford health care for their children:

* Medi-Cal is a public health care program for low-income children and families. It provides free comprehensive medical, dental, and vision coverage.

* The Healthy Families Program provides low-cost health, dental, and vision coverage to children whose families do not qualify for Medi-Cal but cannot afford other health care coverage.

* Some local coalitions offer health care programs to families that do not qualify for either of these programs.

For more information on these state-sponsored programs visit the California Department of Insurance.

Private Insurance

While this is the most expensive form of coverage, it’s the choice for over 600,000 Californians and may be your best choice. You have many options to choose from, including HMOs, PPOs, POSs and traditional fee-for-service (indemnity) plans

To find affordable private insurance, begin your search by going to an insurance comparison website. This type of website makes it fast and easy for you to get and compare quotes from different companies. All you do is fill out one simple form with information about yourself and your insurance needs. Once the form is completed, you’ll soon begin to receive quotes from multiple A-rated companies (see link below).