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More than one million children in California do not have health insurance. That means these children may be lacking basic well-baby care, vaccinations, and dental care, not to mention necessary care during an illness. Here are the options that are available for affordable child health insurance in California. Employer Insurance Most Californians receive health insurance through their employers. This is the most economical form of insurance, as the employer usually pays part of the premium. However, small companies may not be able to offer affordable insurance to their employees. Government Assistance The California state government offers several programs to help families afford health insurance for their children: * Medi-Cal is a public health insurance program for low-income children and families. It provides free comprehensive medical, dental, and vision coverage. * The Healthy Families Program provides low-cost health, dental, and vision coverage to children whose families do not qualify for Medi-Cal but cannot afford other health insurance. * Some local coalitions offer health insurance programs to families that do not qualify for either of these programs. For more information on these state-sponsored programs visit the California Department of Insurance at: insurance.ca.gov. Private Insurance While private insurance is the most expensive form of health insurance, it's the choice for over 600,000 Californians and may be your best choice. With private health insurance you have many options to choose from, including HMOs, PPOs, and traditional comprehensive insurance. To find affordable private insurance, begin your search by going to an insurance comparison website. This type of website makes it fast and easy for you to get and compare quotes from different health insurance companies. All you do is fill out one simple form with information about yourself and your insurance needs. Once the form is completed, you'll soon begin to receive quotes from multiple A-rated health insurance companies (see link below). Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get California child health insurance rates from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding the best child health insurance rates in California.
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