Affordable Health Insurance for Children Only in Oklahoma
According to the Oklahoma Hospital Association, about one in seven Oklahoma children lack medical insurance and need a health plan. While some of these children may qualify for Medicaid or the Children’s Health Insurance Program, not all of them do. A number of good private health insurance companies also offer child only health insurance in Oklahoma. For many families or guardians, these private insurers will offer the best low-cost alternative.
Best Health Insurance for Children Only in Oklahoma
These are some statistics about child only health insurance in Oklahoma:
- Number of Oklahoma kids on the Children’s Health Insurance Program: 120,501
- Percent of eligible children enrolled in the Children’s Health Insurance Program in Oklahoma: 86 percent
- Family income to qualify for the Children’s Health Insurance Program in Oklahoma: Typically, 200 percent of the poverty level
According to healthcare.gov, it’s possible to buy private health insurance for kids with the assistance of an insurance agent or on the individual health insurance Marketplace. With an Obamacare plan, families could qualify for a tax credit if they earn between 100 percent and 400 percent of the national poverty level. The Affordable Care Act limits enrollment in their plans to the annual Open Enrollment, but some hardships may qualify children or adults for a Special Enrollment Period.
These are the biggest Oklahoma cities:
- Oklahoma City, Oklahoma: 631,346
- Tulsa, Oklahoma: 403,505
- Norman, Oklahoma: 120,284
- Broken Arrow, Oklahoma: 106,563
- Lawton, Oklahoma: 96,655
Children’s Health Insurance Program in Oklahoma (CHIP Coverage)
CHIP and even most Oklahoma Obamacare plans are HMOs. These kinds of plans restrict health coverage to network providers unless the patient needs emergency care. In addition, HMO plans require a primary care physician referral for any covered visits to specialists. Many families who need private health insurance for kids would prefer to join a more flexible PPO plan. The reason is many want to make sure there children have at least the following health benefits:
- Routine Check-ups
- Preventive Care
- Other medical services
Why Do Oklahomans Need Child Only Health Insurance in Oklahoma
Most people probably assume that children in the state are usually covered on their parent’s plan. This doesn’t always work out for a number of reasons:
- In this state, over 80,000 children live with their grandparents.
- Many others live with a custodial parent, but the other parent is responsible for health insurance and resides in another city. These days, many plan networks are local and won’t cover treatment outside of the plan area.
- In other cases, families may require a more robust policy to help cover a child who has a chronic health condition.
- Parents may not have access to a group plan through work.
Why Buy Child Only Health Insurance in Oklahoma?
Children need health insurance to ensure that they stay healthy. Schools also require proof of vaccinations before they allow children to attend schools. Sometimes, children also need to have proof of health insurance to participate in activities. Since health insurance companies mostly base premiums by age, children are cheaper than adults to cover, so most families can find some affordable options.
Find the Best Oklahoma Children’s Health Insurance Policy
Of course, the child’s parent or guardian will always have to balance a plan’s benefits against the monthly premiums. In addition, it’s a good idea to check the network to make sure there are convenient doctors and other healthcare providers. You’re likely to remain satisfied with your plan if you like the network. If the child relies on any prescription, but sure that you also understand the way the plan covers medication.
Choosing the best Oklahoma health insurance plan might sound complicated, but we make it easy. You can compare Oklahoma children’s health insurance quotes within minutes by using our online system. Just select Oklahoma from the list to get started. If you have any questions, you can also find toll-free numbers to call that will connect you with a licensed agent.