Insurance Agent Forum

[Agent4Life]

Hi Everybody,

Which carriers have the best Health Insurance coverage for Kids between the ages of 5 and 17 ? I sometimes have Clients that ask me about this and although I am licensed to sell Health Insurance, I pretty much only sell Life Insurance and Annuities, so I've been away from the Health arena for a while.

When I say best I mean:

1) Covers routine yearly check-ups
2) Covers occasional diagnostic office visits for things like ear aches, fevers, bad colds, and typical childhood illnesses
3) Covers required immunizations
4) Covers emergency room visits for kids who may experience sprains and/or broken bones from participating in organized sports.

Mainly I think most parents are worried about the possibility of having to go to the emergency room because one of their children has broken a bone - and then ending up with a two or three thousand dollar bill. (Most of my clients are in VA, MD or NC)

[STIBROKER@AUSTIN.RR.COM]

The ones with copays........

[healthagent]

Coventry

[TXINSURANCE]

The ER Co pay is hard to find but can be subsidized with add ons.

[healthagent]

In MD Coventry has a $50 ER copay.

[TXINSURANCE]

That is a great deal - now if they would only get an online application I might write them.

[somarco]

Check plans & carriers in your state on eHealth for a start.

With regard to your other questions, copay plans are OK, but at that age (5 - 17) kids usually don't go to the doc that often. I would consider putting them under the parents HSA or using a limited visit copay plan if available.

As others have pointed out, a few plans have ER visit copays, but you can also cover that with a supp plan.

Check your state mandate on immunizations. Most states I am aware of do not mandate immunizations after age 5.