Knowing that your child’s future is secure is one of the top priorities for many parents. Everyone wants their children to reach their highest potential by ensuring that they grow up healthy and strong. By getting health insurance a parent can rest assured that they made the best decision for their child. Unfortunately not every parent has that option as around 8 million kids in the U.S. go without health insurance. If your child is one of them because your employer-paid health insurance doesn’t cover them or you can’t afford a policy than don’t fret. There are plenty of programs that are available to anyone looking to provide medical coverage for their children. Here are some tips to help get you coverage for your kids.
Get Your Children into a Public Program
There are two programs in every state that work together to provide health insurance for children that are in middle and low income families. These are Children’s Health Insurance Program (CHIP) and Medicaid. Medicaid is controlled by the state but is funded by both the state and federal government. It offers health insurance to those with a limited income. Children’s Health Insurance Program on the other hand is funded solely by the federal government and provides health insurance to kids under the age of 19 who are in working-class families and qualify for coverage based on the income of their parents.
Visit Your Local Health Center
Whether you and your child has health insurance coverage or not, you can take your child to a health center for immunizations, check-ups, treatment, prescription drugs, mental health care, and dental care without health insurance when you need it. This is because health centers offer medical care based on a sliding scale of your income. If you are in a dire situation it can even be free.
Get Your Kids Child-Only Health Insurance
A “child-only” health insurance plan is a type of policy that is designed specifically for children who are 18 and under, and do not put a guardian or parent under the same policy. Although the 2010 Patient Protection and Affordable Care Act made this type of policy less available, they can still be purchased during certain enrollment periods. This can be a good option for parents who only want to have insurance for their children. Be aware that not all states offer this type of insurance so make sure to check with your insurance provider to see if they do.
Take Full Advantage of COBRA
If you have been laid-off and fear that this will mean your child will no longer be covered, know that it is required by the law that your former place of employment provides health insurance coverage for 18 months after you were laid-off. This can tide your family over until you can find a new job.
I was asking before are the instant soups sold in the supermarket okay for babies and toddlers just like "Don’t these contain MSG?" , and alike. Thanks to my baby’s doctor (yeah her pediatrician). She said cup soups are not exactly what nutritionists would recommend as food for babies and toddlers. MSG, or monosodium glutamate, is a flavor enhancer of many processed food items. Though MSG is considered generally safe and approved for use, it has shown side effects on some people, such as dizziness or allergic reactions.
It was long ago that some baby food manufacturers tried to lessen the food additives (not only MSG) in their products after some reports of brain damage or mental retardation that could been caused by food additives were discovered. So, to make it safe, offer your babies a variety of food and go natural by making fresh broth more often or in the other name, be Organic. By the way, if she doesn’t like soups, don’t force her to eat or even taste it.
There are no parents who do not have their children in mind when it comes to thinking of protect them. From medical expenses to college expenses, parents would like to have everything covered throughout their development, but money is commonly a limiting factor. However, you can protect your children through personal investments that pay for what they are going to need at different age stages.
Approach Life Insurance
Despite there are many life insurance plans for children that you can find while shopping around, financial advisors recommend avoiding buying this type of coverage. Life insurance could be a good investment to protect your children not from the approach to insure them but insuring yourself. Your own life insurance policy can produce cash that can be used to invest with your children's education in mind or to pay for other expenses when the right life insurance policy has been taken out.
Getting Health Care Insurance.
Carrying health care insurance will be mandatory for all Americans starting in 2014 so that, this is the right moment to think of shopping around for the best health insurance policy that protects your children and the whole family. You can buy individual health care plans for your children, but experts recommend the analysis of the different deals to find the best and avoid paying extra coverage that might not be used. As an example, why you should pay today for pregnancy expenses for your toddler girl?
A Piggy Bank Alternative
Piggy banks are meant to teach your children the importance of saving money, but practicing what one preaches is the best way to help them understand the importance of saving money. This way, start building a savings fund at the same time -- your own piggy bank even if it set as a bank savings account -- and reserve this money exclusively to cover expenses pertaining your children development.
Using Financial Talents
If you have set aside a stash of money to protect your children, consider the opportunity to make it grow by investing in life insurance, stocks, bonds, mutual funds, or real estate. Nonetheless, keep in mind that this is not a game of chance and also not an action that has to be performed without the proper knowledge of what you are doing. Investments always carry a risk factor that you should be able to cope with. So that that said, if you want to protect your children through personal investments this way, get a financial advisor to help you.
Most of the time we mommy(ies) just cannot get enough sleep because we have work to be done urgently, let alone taking care of our toddlers/kids/babies, and sometimes for those working mommies who work for a certain company which they shift from day to night then for the another week or month will going to shift from night to day -- that such more difficult, I think.
So there is no consistency in the time you slept at night, because of that you cannot get enough sleep, even though you have done your work early but in most nights you slept like 2:00 a.m. or 3:00 a.m. for an example, still even you want to rest early that night still you cant slept, what I did to make my eyes tired and slept early is to read books or listen to mellow music of my little one's favorite lullabies in Pandora (in this way, she and I can sleep together) especially when insomnia attack.
To have enough sleep is very important. This can help our body regain more strength in the next day of working at home or in the office. So make sure to have enough sleep, take vitamins or drink milk before sleeping time.
Disclosure:
This blog is a personal blog of random thoughts written and edited by me. For questions about this blog, please contact "Cacai M. (cacainad [at]gmail [dot]com)". Beginning this day, 2nd day of July 2011, this blog accepts forms of cash advertising, sponsorship, text link, or other forms of compensation. My Journey Being a Mommy blog accepts forms of cash advertising, sponsorship/advertisement/ads, text link/paid insertions or other forms of compensation. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post may not always be identified as paid or sponsored content. The owner of this blog is sometimes compensated to provide opinion on products, services, websites and various other topics. Even though the owner of this blog receives compensation for my posts or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely my own. I am expressing my own opinion about products and services, but I am not endorsing them. Thus, you should do your own research on products and services that I mention here in my blog. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question. About writings, pictures, or images of this blog -- you may not copy or reproduce any of it without prior consent of the blog owner, or written permission. This blog does contain content which might present a conflict of interest. Again, any further question/s, concerns, clarifications, and the likes -- please contact me through my email add: cacainad (at) gmail (dot) com .
To get your own policy, you might like visit http://www.disclosurepolicy.org
Tips for Insurancing Your Children
