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Kid’s doctor in Gastonia says- Stay informed about health insurance options

Kid’s doctors recommend that Gastonia, NC parents be aware of their options for health insurance for their children. Most children, as of last spring, were covered by health insurance. That may change this year, especially with the lack of federal funding for the Childrens’ Health Insurance Program (CHIP). North Carolina’s health care exchanges are run through www.healthcare.gov, and the next enrollment period does not begin until mid-November.

As of now, North Carolina Health Choice is a health insurance program for children partially funded by the state. To be eligible, children must be residents of North Carolina between the ages of six through 18, uninsured, ineligible for Medicaid, Medicare or other forms of federally sponsored health insurance, and in a family with an income between 133 percent and 200 percent of the federal poverty level, which depends on how many are in your household. An enrollment fee may be required. Money is available on a first come, first served basis, limited by the amount of funding available. There is no way to know how many children this money will be available for this year, given what’s happening at the federal level. If you need it and qualify, kids’ doctors recommend you apply early.

Kid’s doctors on what your child’s health insurance needs

Two questions you should ask when buying private insurance are:

  • How much can I afford to spend per month?
  • How much could I afford to spend all at once?

If you can afford to spend more per month, you should choose a plan with a higher premium and a lower deductible. If your salary isn’t that high but your finances have a safety cushion, a plan with a lower premium and a higher deductible might be a better fit. “Platinum,” “gold” and “silver” plans have the highest premiums and the lowest deductibles. “Bronze” plans and catastrophic insurance have lower deductibles.

When shopping for a plan, look for benefits such as discounts on prescription drugs and services. Try to figure out which services you need. Routine checkups and vaccinations will definitely be covered. Above all, make sure your kids’ doctor is part of your insurance plan’s network.

A kids’ doctor in Gastonia, NC

Gastonia Pediatric Associates is a kids’ doctor conveniently located west of Charlotte.It is one of the first medical practices for children in the Gastonia area, has served three generations of families with personalized care and offers medical advice for parents 24 hours a day. Its staff includes three physicians and three nursing staff. Gastonia Pediatrics is owned and directed by its own physicians. If you are worried about the flu and are looking for a kids’ doctor, call today.