Where can I find child-only health insurance policies?

I just had a baby, and I need to find health insurance for her. We don't qualify for CHIP or the government programs offered by our state (Oklahoma), and it's way too expensive to add her to policy that my husband and I are on. (Our insurance is provided by his employer; it would be about $600 per month per dependent if we were to add the kiddos.) Our 3-year-old has a Blue Cross %26amp; Blue Shield child-only policy (about $150 per month), but BC%26amp;BS no longer writes child-only policies.



Are there any companies that still offer child-only policies, or what other options might be available?Where can I find child-only health insurance policies?As a direct result of the Healthcare Deform Act there are no longer any child-only policies being written other that a couple of short term medical plans. However, those plans do not accept children under 2. You need to look into getting your own policy so you can cover your kids if you can't afford to put them on your group plan.Where can I find child-only health insurance policies?The other option is to find a different policy for you and your child or for your child and your husband (or for all three of you). If you are currently on a policy onto which it is too expensive to add a child, then get on a different policy to which you can add a child for less money.Where can I find child-only health insurance policies?Thanks to the Health Reform Act, very few states still have ANY kind of "child only" health insurance policy. The ones that do, are more of a catastrophic plan, with huge deductibles - you'd be paying the first $10,000 of medical expenses every single year. Still interested?



Alternatively, you can get a policy covering you plus baby - both of you.





Your best bet, will be to add baby to the insurance through his employer. It's not really $600 per month per dependent. There's employee + 1 - what you have now, and employee plus 2 or more. Even if you had 18 children, they'd all be at that higher cost. It's not on a "per child" basis.Where can I find child-only health insurance policies?
I think you have misunderstood your husband's policy regarding dependent children.

- it is the same cost whether you have 1, 2, or 99 dependents under 26



I have worked with 100s of employer based plans and I've never seen it any other way

Periodically, you will see plans that are employee + 1 and the one can be a spouse or child; but employee + 2 is always the same cost as employee + 99



Wanted to make sure you know this = due to the federal HIPAA law, you have 30 days from the baby's birth to formally add the child to the work plan. If you don't, you lose the option until the next open enrollment period. If you do, you can't remove the child until the next open enrollment period.

** assuming your husband has a section 125 healthcare plan (i.e. if his payroll deductions are pre-tax, he has a section 125 plan).