The Top 5 Reasons Why Kids Need Health Insurance

The Top 5 Reasons Why Kids Need Health Insurance

Health insurance isn’t something to be taken lightly. If you don’t have health insurance and you or your child are sick, you could end up paying thousands of dollars in medical bills—which, when it comes to an illness like cancer, can really put a serious dent in your finances and take up months of your time. To ensure that your children are protected and healthy, it’s important to enroll them in some form of health insurance plan. Here are the top five reasons why kids need health insurance and why it’s such an important investment for parents to make.

1) Unintentional Injury

Some 3.8 million children are treated in emergency rooms every year for injuries that may have been prevented with insurance, which covers 90% of doctor visits and hospitalizations. A recent study by Truven found that even among high-deductible health plans, many families fail to contribute enough out-of-pocket money to cover expenses. If your child is covered by a plan with a $1,000 deductible, you would need to pay the first $1,000 yourself before the insurer pays anything. The average family contributes only $250 on top of what their employer contributes. With more than 12 million American kids under age 18 uninsured last year alone (according to the US Census Bureau), it's more important than ever that kids understand the importance of getting insured before they need it!

2) Illness/Disease

Whether you live in a big city or out in rural America, one thing is certain: your child will come into contact with an illness or disease at some point. Treating a serious illness such as cancer can cost tens of thousands of dollars per year. While it may be hard to imagine, having medical insurance for your child can keep these costs under control so that your family does not have to go into debt.

3) Accidents at Home

While most injuries and accidents in kids are low-level, like scrapes and bruises, some can be a lot more serious. And even though we love our little ones with all our hearts, we don’t always keep an eye on them—they get into trouble so quickly! Sometimes just in one afternoon at home. But having a few extra dollars in your pocket to handle those accidents is never a bad thing. Learn more about having health insurance for your children by visiting us today! At the end of the day, parents want their children to have everything they need. However, with the cost of living getting higher every year it seems that there is no way to have it all. Fortunately, you can cover both necessities and small luxuries if you invest in kids health insurance today! 
The coverage isn’t costly either because we offer discounts for bulk purchases as well as several other ways to save money along the way.

4) Accidents Away From Home

Although kids are considered accident-prone, it’s a fact that most accidents occur away from home. That’s why it’s important to enroll your child in a health insurance plan when he or she starts school. This will provide affordable coverage in case of an accident away from home. Your child can also use the money you save on premiums for activities and other educational purposes. In addition, without the ability to go see a doctor for something as simple as an ear infection, your child could become sicker and more prone to illnesses.

5) Mental Illness/Psychological Issues

A lot of parents don’t realize that kids can suffer from mental illness too. The same conditions—anxiety, depression, bipolar disorder, obsessive-compulsive disorder (OCD), eating disorders—affect children and adults. Young people can be diagnosed with just about any psychological condition, and they need help to manage these issues.

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