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Free Health Insurance for Kids

Updated on April 15, 2013
children need coverage for basic ailments and well child care.
children need coverage for basic ailments and well child care. | Source
if you do not qualify for state Medicaid programs, free health insurance is still available  through your state government
if you do not qualify for state Medicaid programs, free health insurance is still available through your state government | Source

8 million children are without health insurance coverage according the last Census performed

Millions of people across our nation are without health insurance. This includes children of all ages. Unfortunately as our economy tanked so did the health insurance options for these same individuals. Going without insurance coverage will keep you up at night and make you worry every time you hear a sniffle or a cough. This is an extremely stressful situation and the way millions of parents live every day. However, there is hope for the future.

Census data reports over 8 million children are without health insurance coverage. More than any other group they are vulnerable and should have this basic need met. Do not despair because the federal government has come up with a plan to see that these little ones have protection when they do not qualify for Medicaid or other private health insurance.

Every state in the nation has been given the task of creating a State Children’s Health Insurance Program or SCHIP. Free of charge or low-cost insurance coverage will be there for kids who need it.

What is covered?

The contract is a basic no frills protection for their health ailments. They will receive coverage for their well child care, immunizations and other pediatric visits when they are sick. They have security when they are in the hospital and shielded against any costs for prescription meds. Depending on which state you qualify for receiving benefits, dental and vision coverage is also available.

Who is eligible?

SCHIP is for families that make too much money for Medicaid, but not enough to actually buy any coverage from a private company. Children from birth to 18 are suitable for this insurance.

The free health insurance for children is a brilliant idea and a life saver for many families that use it. Enrollment is fast and easy. There are hardcopy forms or electronic enrollment is also available.

The Robert Woods Johnson Foundation agrees with the fantastic program covering these children. Nearly everyone enrolling finds it free of charge. If they are not free of charge, a low-cost monthly payment plan is available. However, he does admit of the more than 8 million children not covered 70 percent of them would be eligible for the program, but fail to enroll.

How to sign up

Many states have asked their Medicaid processors who deny coverage to automatically send the application to the SCHIP program. Other states will send a denial along with an application for parents to sign their kids up.

Contact your local state’s program to find an application. Income guidelines are more than fair and almost all applicants will find the coverage kids need. There is a link for more information about eligibility guidelines.

In conclusion

It is a wonderful program and method to the madness of no insurance for low-income children. Parents who make too much to qualify for state programs, but not enough to actually take care of it through a private company are in the right place to find free health insurance for kids that need it.

Do you think states should cover these 8 million uninsured children

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    • Cantuhearmescream profile image

      Cat 4 years ago from New York


      This is an excellent article and I truly hope that someone in need will know which direction to go. I went through an ugly seperation and my children's health insurance was dropped and it was extremely stressful, worrying and wondering what my options were. There was a moment they were uninsured and you're right, that's a horrible feeling. Nobody should be without insurance, but kids certainly have no control over these things and they should never be denied health care. Excellent article! Voted up and useful!


    • mary615 profile image

      Mary Hyatt 4 years ago from Florida

      I have a son who just turned 18. I adopted him through the state of Fl. and was entitled for Medicaid. Now that he is 18, they have dropped him. I am in the process of buying private Ins. for him, which I surely can't afford.

      Voted this UP and will share.

    • profile image

      Beth37 4 years ago

      Thank you for this info. My husband started a job 2 years ago that doesn't offer health ins. and for the first time in their lives, they aren't covered. They had state ins., but they didn't continue it, so now I have applied for a new one. I don't know much about it, but if it doesn't get approved, I will be right back here looking for answers. Thank you again!

    • Handicapped Chef profile image

      Handicapped Chef 4 years ago from Radcliff Ky

      This is really great information thumbs up.