Insurance

What Is The Cost Of Child Health Insurance In California?

Learn about the cost of child health insurance california

Congratulations on your new baby! This time of your life can be very exciting. The last few months before your baby arrives to the point you get to bring them home seems to go so fast. Many of you are worried you will not have time to get everything done. Making sure you have everything they will need such as a crib, car seats, blankets, diapers, etc., and preparing yourself for the financial responsibilities that go with becoming a parent can be overwhelming. So to prepare for the cost of child health insurance California parents need to factor these costs into an overall plan.

If you are currently covered by your own health insurance plan, your baby will be covered for the first 30 days of their life, but you will need to determine how to provide them with baby health insurance after that period. Many people put off looking into their insurance options and the cost of baby health insurance until they are under pressure to make a quick decision, so looking into your choices now will help you feel more prepared and avoid being surprised at the cost of child health insurance in California.

The cost of health insurance for babies is high in the first year

The cost of the first year of health insurance plans for your baby will be the highest at this time, but it is important that they are insured so that they can receive the best care.

Reading: How much does health insurance cost for a baby

If you have to get a separate health insurance plan for your child, you’ll see prices start to drop after the first year. Generally, the older your child is, the less expensive it will be. By the time your child turns 3, you could see the price drop dramatically.

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the anthem blue cross tonik plan that provides a $5,000 deductible and a $20 office copay would only be $148 a month at age 3, while as a newborn the cost would be $339. The health net advantage ppo 3500 plan that offers a $3,500 deductible and a $40 office copay would cost $182 for your baby, and would only be about $105 a month when your child is 3 years old.

During your child’s first year of life, you’ll have multiple trips to the doctor for well-baby checkups. these appointments ensure that your child is developing properly and allow you to have multiple conversations with her doctor about any concerns she may have. Well-baby visits are considered preventive care and are covered free of charge by all health insurance plans. simply having a policy could save her hundreds of dollars if she considers the amount she would pay for these basic office visits.

average cost of health insurance for babies in san jose, merced and san diego, ca

Newborn baby sleeping

Depending on the health of your baby you many end up visiting the doctor more often, which could add up quickly without insurance. Every child is different and it may take a few months for you to determine how often they will need to see their doctor. Baby health insurance cost average in Northern California is around $391, the Central Valley area average is $317, and Southern California average is $338 per month.

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Some of the more popular plans when considering baby health insurance cost average (higher deductible, lower price) vary from $280 in Northern California, $211 in the Central Valley area, $251 in Southern California.

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If you find that in the first few months of your child’s life, they rarely get sick, then you’ll probably opt for a higher deductible and lower price. If there were complications during delivery or you tend to get sick easily, you may want to consider a plan with an office copay to keep your out-of-pocket costs to a minimum, but this may mean a higher monthly premium.

examples of baby health insurance prices

To give you a specific example of infant health insurance pricing, let’s say you live in San Jose and are looking for a high-deductible plan with an office copay. the health net ppo value 7500 plan offers a $35 office copay, this plan would cost about $143 per month. It has a $7,500 deductible, which is one of the highest deductibles, but if your child seldom visits the doctor, this plan will provide the coverage your baby needs.

If you think your child will need more coverage, you can choose Kaiser Permanente’s $25/$1,000 deductible plan which has a $25 copay and a $1,000 deductible; however, the premium would increase to around $482 per month. One of the hardest decisions you’ll ever have to make is simply trying to determine what levels of coverage your child will need.

If you already have a health insurance policy, adding your child to your existing plan may be the least expensive option. adding your child will increase the average monthly cost by $168 in the central valley, which is much less than the average $211 you’d pay to put your baby on an individual child-only plan.

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If your baby was born with or has developed some health problems, then it will be important to get a plan with higher benefits. Putting both the parent and the baby on this type of plan will increase the premium substantially. Getting your baby an individual kids-only plan may end up costing less. Ask for health quotes that add your baby to her current plan, as well as an individual child-only plan to see which one would save you the most money.

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if you can’t afford your child’s health insurance, there are some free and low-cost programs available in california. the medi-cal program provides free health services for children, and the healthy families program offers low-cost health insurance for children. You can also seek help from your state and local health departments about available options. come back soon to read our article “what are affordable baby health insurance options? I can’t afford much“, for more information on how to get financial assistance with children’s health insurance here in California.

One of the most important steps you can take before your newborn arrives is to begin to familiarize yourself with baby health insurance plans and determine how much you can reasonably spend on insurance. Including these insurance costs in your overall baby budget for basics like diapers, clothes, food, etc. will make the transition to having your baby at home much easier. sfp insurance can provide you with a variety of plans from major insurance companies and work with you to find a solution for your needs. Call us if you have any questions and one of our advisors will be happy to help you.

Please leave a comment below to let us know what you think or if you have any questions. thanks,

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