What Else Do I Need to Know About the Kentucky Child Health Insurance Plan?
Many children are provided with health insurance by their parents or through their parents’ employer, but many times that health insurance is less than perfect. Child health insurance often does not cover the types of things that children need most, and if you have only partial insurance coverage, you may want to get assistance from the state of Kentucky to help you supplement that coverage so that your child does not go without. Unfortunately, you can’t get KCHIP if your kid is already insured, no matter how sparely. What you can do is apply for Medicaid.
If you choose to cancel your insurance policy and get KCHIP, then your child may have to wait six months before they can receive child health insurance coverage through this state insurance plan. This will never be the case for families who make little enough to qualify for KCHIP and not be required to pay a premium. However, if you are trying to insure a previously covered infant and your income is at least 186% of the federal poverty level, then you will have to wait six months. The same applies to any child up to the age of eighteen whose family makes at least 156% of the federal poverty level. If you lost your insurance in circumstances that you could not take charge of, you can get this waiting period waived.
There are children who may have been previously insured but who do not need to wait, nor pay a premium, in order to receive KCHIP. They are able to be insured as soon as they are approved, regardless of how they came to be uninsured. These children include those between the ages of one and five whose parents make at least 134% of the federal poverty level, and at least 150%; and kids between six and eighteen whose parents make at least 101% and at most 150%.
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.
Are employers required to provide medical health insurance to their employees?
Reader question:
Are employers required to provide medical health insurance to their employees?
Alma
Quick answer: No.
I’m sorry to say, but there’s no law on the books that says tha employers, or anybody else, has to provide you with medical health insurance. It would be nice, and there are many people who want for the government to provide health insurance for everybody, but that is a very unlikely possibility in this country, and for the meantime you either have to find an employer who does provide you with medical health insurance, or get your medical health insurance on your own.
There are a whole lot of reasons for why employers are not mandated to provide their employees with medical health insurance, but it is a long list and not worth getting into. However, many employers do, mostly because it is a good practice for a business who wants to acquire high level and loyal employees. You are less likely to up and leave a job that is paying your medical bills if you don’t have a job that offers similar options lined up, are you?
Although it’s not smart to do that, though, some people do. If you quit the company you are working for, and you had medical health insurance there, they have no requirement to continue your coverage once you’re gone. Some might be nice and do so, but it’s rare. You need to have something lined up right away or be prepared for a possible disaster.
Now, if you get laid off, you might be able to continue your old job’s benefits for up to thirty six months via COBRA (Consolidated Omnibus Reconciliation Act), but those premiums tend to cost a lot. You can check your laws locally to see if you are eligible for COBRA medical health insurance.
Another way that you can get some help from the federal government if you lose your job and it provided you with health insurance is to see if the Health Insurance Portability and Accountability Act applies to you. This might help if there is only a temporary gap in your coverage.
Cheers,
Fashun Guadarrama.