Health Insurance Plan Texas
Having a health insurance plan allows Texas parents to insure their children and be able to provide coverage for things like well care visits, immunizations, sick care and those trips an falls (broken legs and arms). Some parents purchase coverage through their employer's plans or they may be able to afford to buy individual health plans. However, those parents who are not so lucky as to be able to purchase coverage as mentioned above, or may not be able to afford coverage, still have options in Texas.
Medicaid is available for low children of low-income households. This provides health care for children whose families meet the eligibility requirements. This coverage is provided at no cost for children whose parents qualify. In order to qualify the child must be:
- A Texas resident
- A us citizen
- Under 19
- Living in a family that meet Medicaid's income eligibility requirements.
Medicaid eligibility is determined by The Texas Department of Human Services. Families that are currently receiving Temporary Assistance for Needy Families (TANF) children automatically qualify for Medicaid. The Dept of Human Services evaluate the family's financial situation every six months to determine if they still qualify.
Another option for children is The Children's Health Insurance Program. This is another federal and state funded health coverage program for families that cannot qualify for Medicaid because their income is too high, but are unable to afford private health coverage. CHIP is available throughout the state of Texas and is offered by HMO's and private insurance companies.
Families eligible for this plan pay a monthly fee, generally $15 a month, which covers all children covered under the family's plan. In addition to the monthly premium, most families pay co-payments for doctor visits, emergency care and prescriptions.
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