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Get coverage for your child

There are different ways you can get health insurance for your child.
Find out which way works best for you.

Group plan
Most families get group health insurance.

  • This means your medical bills are covered by your job or by another family member who works and gets insurance through work.
  • Group plans are cheaper.
  • Your boss or company pays for part or all the costs.
  • You can also get a group health plan if you are a member of a large organization or union. Ask about the benefits from your union representative, or call the group you are a part of.

Most employers offer group insurance. When you are hired, the Human Resources or Personnel department will ask you if you want to sign up for insurance coverage. They will also tell you about the health benefits of working at your new job.

Health benefits may include: girls laughing

  • Hospital visits
  • Doctor care
  • Eye care
  • Ear care
  • Dental care (teeth)
  • Baby care
  • Prescriptions (medicine)
  • Mental health
  • Therapy
  • Rehabilitation

Your employer will tell you about insurance coverage for your family:

  • They will give you an ID card and information about your insurance policy..
  • If you have children, you will probably want to sign up for the family plan. Sometimes there is a wait before your coverage starts.

What if I lose my job?
The COBRA law (Consolidated Omnibus Budget Reconciliation Act of 1985) can protect you:

  • If you worked at a place with at least 20 employees
  • If you quit or if you are laid off
  • If you were covered under your spouse's plan and you are now widowed or divorced. You can still get health insurance for at least 18 months. You will have to pay extra, but you will still be covered.

Individual plan
If your employer doesn't offer insurance, you can buy your own plan.

  • Your own plan will cost more money.
  • You can buy a fee-for-service plan, an HMO, or PPO plan
  • You can choose to get a noncancellable policy. This means you won't be dropped from the plan as long as you continue to pay.

Find out more information
Read Choosing and Using Health Care

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