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Questions to Consider About Your Child's Health to Prepare for Open Enrollment

Open enrollment for plans offered through the Affordable Care Act starts on October 1. During this time, you can sign up your family, including your children, in a health insurance plan. To ensure you select the best insurance for your child’s needs, ask yourself a few questions.

What are my child’s health needs this year? 

If your child has a condition like diabetes or asthma, you probably visit the doctor often. It may be worth paying a higher monthly premium for insurance in exchange for lower copayments and a lower deductible. You should also keep in mind that children often need to visit urgent care or the emergency room for injuries or illnesses, so you may want to select a plan with good coverage of these services.

Is my child’s pediatrician covered by the plan I want? 

If your child has a good relationship with their pediatrician, you may not want to change physicians. If your doctor does not accept the insurance plan you select, you will end up paying more out of your pocket for their care.

Are vision and dental services covered for my child? 

Many medical insurances that do not cover vision and dental services for adults now cover these services for children as part of the Affordable Care Act. This can save you money as you will not need to buy separate vision and dental plans for your child. If your child will need new glasses or braces, be sure to carefully read what services are covered by your plan.

If you or your children don’t have health insurance or if you wish to make changes to your current plan, visit the healthcare insurance exchange or call 800.318.2596 during the open enrollment period between November 15, 2014 and February 15, 2015.

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