Having a separate health insurance policy for your children is the best way to ensure they will always have the amount of coverage they need. Many policies purchased through employers are sufficient but may fall short if your child has a chronic health condition or other issues that require more in-depth care. It’s important to have a policy that protects all of their needs.
Chronic Health Conditions
Chronic health conditions like cystic fibrosis, allergies, asthma, and diabetes require constant and long-term care. Conditions like asthma and allergies are less likely to be progressive and worsen over time. Still, they will always require some degree of care. More progressive conditions may require more extensive care in the future. Many chronic conditions appear during infancy, while others may not be apparent until much later. For example, allergies may only start to appear after children become more active and start exploring their world.
Spectrum Disorders and Learning Disabilities
Much is still being discovered about autism, Asperger’s, and other conditions that fall along the spectrum. Spectrum disorders and certain learning disabilities may require a level of healthcare that traditional health insurances can’t sufficiently cover. Finding the right policy is important. Counseling, speech therapy, physical therapy, sensory therapy, and physical rehabilitation are just a few of the therapy options that may be needed for children with these types of issues to reach their full potential.
Injuries
Children are prone to injuries. Whether they are star athletes or just children playing outside, injuries will often occur when we least expect them. Don’t risk an injury not being covered by your employer’s health insurance coverage. It’s important to have an insurance policy in place that will cover unexpected events. Some injuries may be very minor. Others may require surgery and extensive physical therapy for the child to make a full recovery.
Unexpected or Catastrophic Illness
An unexpected or catastrophic illness is something we are never fully prepared to deal with, especially when it happens to our children. Cancer, genetic health conditions, or conditions like muscular dystrophy can require extensive, long-term care using expensive state of the art technology. Where other policies fall short, you need one in place that will cover all of your child’s medical expenses. An effective policy will allow you to take care of your child while not worrying about financial constraints.
Emergency Room Visits
Whether your child is extremely ill or has been involved in a traumatic accident, you need to know that your child’s medical needs are adequately covered. Emergency room visits, lifeline transport, and advanced healthcare measures may not be fully covered under your existing health insurance coverage.
Take a few minutes to go over your current health insurance policy and find out what coverage you have for your children. If you want to make sure your children are cared for if the unthinkable happens, you need to talk to the professionals who know about health insurance. Contact Gee-Schussler Insurance Agency who can help you find the right policy for your needs and wants.
