The way the Affordable Care Act (ACA) covers children can differ from the way it covers adults.
Children may have access to unique services through both ACA marketplace plans and private policies. With the right insurance coverage, your children can get the care they need at one of the most critical times of their lives.
Preventative Care Benefits for Children
Most health insurance plans must cover a variety of preventative services for at no cost.
Children have access to preventative services, but often on a specific level. In some ways, these preventative services are very similar to those offered adults. For example, both children and adults may be able to access diet counseling and HIV screening.
Nonetheless, many of the services covered for children deal explicitly with youth, childhood and developmental medical needs. These may include:
- Autism screening
- Alcohol and drug assessments
- Developmental screening
- Hearing screening
- Height, weight and body mass index (BMI) assessments
- Childhood-specific immunizations
- Vision screening
Each specialty test can help a child find a healthier future, as it may help diagnose areas of medical need.
Children can often access preventative services at any age. However, some of the tests are age restrictive. This means that children can only access them at certain times. For example, only children under 3 years old may qualify for developmental screening. On the other hand, all children may qualify for hemoglobin screening. To see if your child qualifies for a certain preventative service, talk to your insurer or physician.
Besides preventative care benefits, the ACA also says that most insurance plans must cover certain essential services. Essential benefits include items such as surgery and hospitalization. Each service could greatly benefit a child with medical needs. You may not be able to get these services completely for free. However, you will likely have a degree of coverage regardless of your plan.
A couple of essential benefits cater specifically to the needs of children. Most children can access the pediatric services essential benefit. This means that their pediatric care will have coverage under most policies. Pediatric services cover dental and vision care for children under 19 years old.
Additionally, maternity and newborn care is an essential health benefit. These services can help cover the neonatal and post-delivery needs of expectant families. They can also help cover care for newborn babies.
With the correct ACA insurance plan, your children can benefit from the care they need.
Call Simpson Financial Group, Inc. at (978) 222-3939 to find out how an ACA insurance plan can help you. One of our agents can help you get a fast, free health insurance quote.