Florida child health insurance and the parent’s immigration status
Filed under: Child Health Insurance, Temporary Health Insurance
Reader question:
If I am not a legal resident of the United States, but my child is, then can I stil apply for child health insurance for them? Would I be reported to the Immigration and Naturalization Service?
Gloria
Not at all.
The only thing that the people who run the KidCare child health insurance program in Florida are looking at whenever they are approving or denying applications for insurance coverage is the child. If the child is not a legal resident of the United States, then there will be a problem and the child will not be eligible for coverage. However, if the child has acceptable legal status but the parent does not, that does not come in to play at all.
Even if the parent who is applying for the insurance for their child does not have legal immigration status in the United States, the state of Florida will not report the parent to the Immigration and Naturalization services when the parent applies for child health insurance for their kid. A parent would only be reported to the INS if they were applying for something like cash welfare or food stamps and they are not legal or they have a deportation order out on them.
Cheers,
Fashun Guadarrama.
How much does KidCare Florida health insurance cost?
Reader question:
How much does KidCare Florida health insurance cost?
Jackson
Good question.
It’s important to understand that the KidCare child health insurance program is not free, so it needs to be budgeted for low income families just like any other bill would. All the same, it does cost quite a bit less than most child health insurance plans, and so even though there will be a certain fee for the plan, it can also be understood that the parent will be saving a ton of money and most will find themselves able to afford it.
If you get the Medicaid version of KidCare, it is completely free, but this is the most difficult one to get because it has the strictest income requirements, and many people who are not eligible are still not able to afford Florida health insurance, which is where the rest of the KidCare child health insurance plans come into play.
These programs require an up front payment which is reimbursed if your kid is not accepted into the program. For the most part, the cost is very little, about fifteen or twenty dollars every month for the average Florida household. The maximum that you can pay is seventy dollars, so you can’t be charged more than that regardless of how many kids you have. Under seventy dollars, your payment falls somewhere within that range based on how many children you have and how many incomes you have in the house.
Not everything is completely covered by KidCare child health insurance. However, you won’t be paying a lot like with many medical health insurance companies. The most you will have to pay for some things are minimal co-payments and fees, which don’t add up to much.
Cheers,
Fashun Guadarrama.
What to bring with you when applying for KidCare Florida health insurance
If you find that you meet the eligibility standards of KidCare’s Florida health insurance program, then it’s time to get the ball rolling and apply to get medical health insurance coverage for your child. Before you join this system of medical health insurance in Florida, though, you need to know what to bring with you so that you can make the process as expedient as possible.
- Other ability to receive medical health insurance. When you’re applying for KidCare Florida health insurance for your child, they will ask if your child is able to receive health insurance through other channels, such as on the employer health insurance plan that a parent has. Your kid might not be covered at the moment, but if they are allowed to be covered it must be revealed, as well as what the expense of that would be so that the state can determine whether it is too much for your income level.
- Pre-existing health conditions. This is the information that all medical health insurance companies demand the most, and KidCare Florida health insurance is no different from the rest. Kids who have these can still get KidCare, but it is especially important to reveal it if you have medical health insurance through your company, so that it can be seen why your child cannot get medical health insurance with them.
- Unhappily, you don’t get to get KidCare Florida health insurance for your child just because you decided to drop the kid off of your employer’s policy. If the child was terminated from the policy by your own will six months before your application to KidCare, as well as Medicaid and other state health care programs, they won’t be eligible.
Those are the requirements for KidCare Florida health insurance, and while they may see strict to some, they are much more forgiving than the requirements for many regular private health insurance plans. These standards apply only to KidCare. There may be some overlap with Medicaid, but it cannot be assumed that the requirements for Medicaid are the same.
Cheers,
Fashun Guadarrama.
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