Insurance

If you are a parent or living with children then you should know that you may be able to receive assistance for your children's health care coverage. Although the requirements to receive these benefits are income reliant you can easily access all of the income and family requirements by going directly to the government website for Medicaid. There is even a calculator to let you know if you may be eligible for these benefits.

For those families living below the poverty level Medicaid is an option that can cover all your children under 18 years and this coverage is not limited to medical care, it also includes dental and vision benefits as well. This coverage can be extremely useful for those who want to keep their children healthy, but do not really have the means to do so. This is a coverage that is offered based on financial criteria and other eligibility requirements.

SCHIP is in a way considered an extension of Medicaid but for families that make a little more money and in some cases middle class families as well. This extension was created to help ensure that every child under the age of 18 has health care coverage. Many people are able to receive free medical coverage for their children through this program and even if you don't make the cut financially there are some other factors that figure into their eligibility. Plus they also offer a program where parents who make a little over the requirements to get free health care coverage for their children can pay minimal monthly premiums and still be eligible for this level of coverage.

Understanding these options you will need to contact your Medicaid office for further information regarding both of these programs. In most states the secondary program goes under a variety of different names but it is available throughout the United States and usually requires a Medicaid rejection prior to being eligible. Once declined for Medicaid they will usually refer your application on for further review by the SCHIP department and will make you aware of this.

Whatever your family size or level of financial need if you are struggling to put food on the table, a roof over their heads, and pay health insurance premiums for your children, then you should consider looking into this option. It can really be helpful to those families trying to cope and perhaps it may be the answer to help you balance your budget.