Affordable Child Health Insurance in San Antonio Texas



Finding affordable health insurance is no easy task unless you are employed by a business that offers a health benefits package. Unfortunately, not everyone works, or works for an employer who offers a group health insurance plan to his or her employees. If you or your spouse doesn’t have affordable health insurance in San Antonio, Texas, how is your child supposed to obtain affordable child health insurance? Imagine trying to find affordable child health insurance for your child if you’re having difficulty finding affordable health insurance for yourself.

If you live in San Antonio, Texas, or anywhere in Texas for that matter, and have a child or children who are without adequate health insurance, you may want to look into Medicaid for Texas Children.

Medicaid for Texas Children is both a state and federal assistance program that provides children with excellent comprehensive health insurance at affordable prices or at no cost at all. To be eligible for Medicaid for Texas Children, a child must be a resident of the United States and of Texas, under the age of 19. The family of the child applying for Medicaid for Texas Children must meet the Medicaid of Texas Children income requirements.

If a child belongs to a family that receives Temporary Assistance for Needy Families, also referred to as TANF, the child will instantly qualify for Medicaid for Texas Children. Otherwise, the child’s eligibility is determined by the Texas Health and Human Services Commission, also referred to as HHSC. If a child is found to be eligible for Medicaid for Texas Children, his or her family’s financial status may be evaluated every half year or so to make sure the child is still eligible.

For more information about the Medicaid for Texas Children program, visit the Texas Department of Insurance Web site, or give them a call. You can also visit the Web site of the Texas Health and Human Services System.

By: Elizabeth Newberry

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Clinical Thermometers and Children’s Health



Every household with young children should possess a clinical thermometer. Young children, especially babies and infants, cannot properly describe their symptoms when they become ill. Many childhood diseases are associated with a raised temperature, sometimes inadequately described as a ‘fever’.

The term ‘fever’ means different things to different people and I prefer to refer to a ‘raised temperature’. Serious diseases such as encephalitis and viral and bacterial meningitis start off with fairly simple symptoms. Take measles, for examples. Measles can kill young children, and if it does not, can leave them with serious side-effects or complications such as hearing and visual defects, learning difficulties and brain damage.

The initial symptoms of measles are similar to those of a cold. A runny nose, a bit of a sniffle, a cough and eventually a sore throat. Temperature also rises to over 38 Celsius (100.4 Fahrenheit). If you think that your child has measles, or if temperatures stays at or goes over 38 Celsius, you should inform your doctor immediately.

If you do not have a clinical thermometer, you cannot determine the child’s temperature! You may notice your child becoming a bit flushed, and may feel warmer than normal to the touch. However, it is far better to be able to measure this accurately. With measles, the temperature starts to drop after a day or two, then increases again as the spots appear and go as high as 40C (104F). You should definitely have contacted a doctor by then, but if you have no thermometer you may not have noticed the increase in temperature.

In many cases the temperature increase is the only indication that your child has more than just a cough and a runny nose. There are various types of thermometer available suitable for children. The old glass type with the kink is not recommended for young children. Digital thermometers are better, though disposable ones in the form of plastics strips with temperature sensitive dots are very useful. One side is self adhesive to stick to the skin under the armpit and the dots change colour at different temperatures. They can be used while the child is asleep and are disposable or re-usable for a certain period of time.

An alternative safe method to this is the ear thermometer which measures the infrared heat emission from the eardrum. An infrared probe is inserted into the ear and the temperature measured. This is safe because the probe is too short to reach the eardrum, and is larger than an infants ear canal. This is the type of system employed in hospitals, and is available for purchase either online or from good pharmacies for from around

Where to Get Inexpensive Medical Insurance for Children



Children need regular medical care to grow up healthy and strong, and children’s medical insurance is necessary to provide the ongoing care they need. Here’s how to get inexpensive medical insurance for children with a reliable company.

Government Health Insurance Programs for Children

Every state in the U.S. has a government sponsored health insurance program that covers babies, children, and teenagers. These programs are available to low-income families at little or no cost. They pay for doctor visits, hospital fees, and prescription medicines.

To find out if you’re eligible for a government health insurance program and to learn more about these programs, visit the U.S. Department of Health & Human Service’s Insure Kids Now website at: insurekidsnow.gov.

Private Health Insurance Plans for Children

Indemnity (fee-for-service) plan – If you don’t qualify for government health insurance and want a plan that allows you to use your own doctor and hospital, then an indemnity plan is what you want. These plans pay most of your medical expenses (usually 80%) after you pay a deductible of anywhere from $500 to $2,000. Indemnity plans are the most expensive health insurance plans.

Managed health care plan (HMO, PPO, POS) – If you want a plan that will save you the most amount of money, but doesn’t allow you to choose your doctor or hospital, then a managed health care plan (HMO, PPO, POS) is what you need. These plans assign you to a network of hospitals and doctors which you use for your health care. PPOs and POSs will allow you to choose a non-network doctor for an added fee. With these plans you pay a co-payment for each doctor visit (usually $5 to $10), and your insurer pays the medical bill. These plans are the cheapest health insurance plans.

Inexpensive Private Medical Insurance for Children

To find inexpensive medical insurance you have to comparison shop, and the quickest and easiest way to do that is to go to an online comparison website where you can get rate quotes from a number of companies. Insurance premiums can vary by hundreds of dollars for the same insurance, so the few minutes you spend at an insurance comparison site will be well worth you while.

By: Brian Stevens

About the Author:
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get children‘s medical insurance rate quotes 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 author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get inexpensive medical insurance for children.



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