A lot of the time, people struggle to pay for family health insurance policies
, especially those with large families. It can be difficult to insure a large family on a working class budget and of course while many times the grown ups in the family can get pretty good insurance from their employers they can not afford the premiums to insure the entire family.
Thankfully though there is some hope for working class families that are looking to insure their children. It is an extension on Medicaid that has been created for low income working class families to help them insure their children. This plan goes by many different names because even though it is a Federal Government plan it is administered by each state individually and is therefore called by all different names across the country.
If you are interested in this plan you can contact Medicaid directly and they will help you to locate it. Essentially it is a Medicaid like plan for those who make too much money to be approved by Medicaid. Some can get this insurance for their children for free and others will be asked to pay a nominal fee for this insurance plan.
This type of plan allows those who work to get insurance for their minor children and is not a health plan that will cover the adults in the family but it can be a big help to families that are trying to make ends meet. This plan can be called SCHIP and goes by a variety of names like FAMIS in Virginia.
If you think that you may be eligible for this plan, contact your local Medicaid office. In most states you will have to be declined for Medicaid before you can be deemed eligible for this plan. It can take several months to get approved for this insurance but if your child needs immediate care you can let your Medicaid office know and they will probably rush through the paperwork to get you a faster approval. And while this won't insure your entire family it will provide you with the peace of mind you need by insuring the youngest members of your family with little or no out of pocket expense to you.