treatment

Health Insurance

Finding affordable health insurance for children and adults with long-term medical conditions, such as cerebral palsy, can be a major concern for most parents. A health insurance policy is a contract between an insurance company and a policy holder intended to safeguard against high and unexpected health care costs.


Health insurance is a benefit provided through a government agency, private business, or non-profit organization. Reform and mandates are continually changing the health insurance industry, and plan coverage seems to change yearly. Prescription coverage and dental insurance are not always available.

In today’s economic times not everybody can afford coverage. Yet, coverage is essential and good plans aren’t always easy to obtain. High-quality health care affects health and wellness.

The following articles are intended to help inform individuals touched by cerebral palsy about the nuances of purchasing health insurance. Having a basic understanding of the terminology and available health insurance coverage options can assist in making a choice that is best suited to the family’s circumstances.


Three government provided health insurance programs aimed to help individuals with disabilities


  • close-up of newborn in pink and blue cap

    Children’s Health Insurance Program

    Health insurance is a health insurance risk hedged against the probability that if and when someone unexpectedly becomes sick, requires expensive treatments, or is at the mercy of a chronic condition that requires long-term care they will not fall into dire financial straits.
    Children’s Health Insurance Program »

  • toddler being examined at the doctor's office

    Medicaid

    Adequate health insurance provides enough coverage to meet the unique health care requirements of a child or adult with cerebral palsy. Long-term or chronic health conditions require insurance that covers ongoing and wide-ranging medical services and supports.
    Medicaid »

  • pre-teen leaning on the nursing staff

    Medicaid Waivers

    Choosing an insurance provider is just as important as choosing your primary care physician – both have the ability to affect the quality of care and cost of services a family will receive.
    Medicaid Waivers »


About health insurance, in general


  • family posing in the gardens

    The Importance of Health Insurance

    Health insurance is a health insurance risk hedged against the probability that if and when someone unexpectedly becomes sick, requires expensive treatments, or is at the mercy of a chronic condition that requires long-term care they will not fall into dire financial straits.
    The Importance of Health Insurance »

  • family posing in their home

    Essential Elements of Health Insurance Coverage

    Adequate health insurance provides enough coverage to meet the unique health care requirements of a child or adult with cerebral palsy. Long-term or chronic health conditions require insurance that covers ongoing and wide-ranging medical services and supports.
    Essential Elements of Health Insurance Coverage »

  • parents choosing a health care plan

    Choosing a Provider

    Choosing an insurance provider is just as important as choosing your primary care physician – both have the ability to affect the quality of care and cost of services a family will receive.
    Choosing a Provider »


  • parent filling out the paperwork

    Selecting a Plan

    When considering various health care options – whether employer-sponsored, government-sponsored or an independent plan – a person should select a plan type. Some plans emphasize preventive care, while others place priority on major medical or catastrophic events. The level of flexibility varies from plan to plan; some allow members more freedom to choose a health care provider, while others offer lower out-of-pocket costs. Deductibles can affect monthly premiums. The choice, typically, is a matter of preference and personal comfort.
    Selecting a Plan »

  • baby looking hopeful

    Consider Health Coverage Add-Ons

    Health insurance offerings have drastically changed over the years. In order to contain costs, meet regulatory guidelines and make policies affordable health insurance providers now offer a number of formerly standard items as options. While some plans still include dental, prescription, vision and complementary and alternative medicine coverage as part of the standard policy, many provide it as an option – available at additional cost.
    Consider Health Coverage Add-Ons »

  • couple working out cost concerns

    Determine Plan Affordability

    Affordable options are often a main concern when comparing health insurance plans. The monthly premium, as well as the payment required when medical services are rendered, are considered when budgeting for a plan. A higher out-of-pocket cost at the time of service generally translates to a lower monthly premium.
    Determine Plan Affordability »



  • a couple stares up at their new home

    Government Assistance

    Cerebral palsy can be expensive to families, especially those lacking adequate insurance benefits or those in low-income situation. Many programs have been developed within the government, at various levels (federal, state, and local), to assist with such needs. The challenge seems to be in understanding what types of programs are available, where to find more information on the programs, how to apply, when to apply, and what to expect during the process.
    Government Assistance »

  • mother and son sitting on the steps looking hopeful

    About MyChild™ Resources

    Whether helping an adult with cerebral palsy to locate government assistance to providing a parent with a source of inspiration on a difficult day, MyChild™’s team of knowledgeable and caring call center representatives assemble to answer questions and provide support. Additionally, kits of useful information on a variety of important topics commonly requested – such as therapies and community support, or housing and government assistance – are provided, free of charge.
    MyChild™ Resources »

  • therapist and son enjoying a therapy session

    About Community Support and Funding

    Organizations within the community exist to support and assist individuals with disabilities. Often, it is just a matter of being aware of what resources are in your community and how to contact them. Learn more about community support in your area.
    Community Support and Funding »


img_1

Do you need information on health insurance? Does your current policy adequately cover your child's needs?


This kit can help!
Kit No. 345WO - The Health Insurance Information Kit

Call

to order!

MORE


MyChild™

Contact us today!


MyChild™ Resources

call center representative answering phones

MyChild™ Call
Center Assistance

Do you have questions about anything related to a child’s cerebral palsy? Our call center representatives have the answer. From simple questions about how to apply for government aid to finding ways to enhance a child’s quality of life or education, MyChild™’s team is available to provide much-needed information, and support.
MyChild™ Call Center Assistance »

MyChild™ Resources

a woman and her family looking up resources online

MyChild™
Online Inquiry

MyChild™ is proud to offer numerous methods by which to answer questions, provide insight and offer support to families. Our online form allows visitors to inquire about informational kits and ask questions or seek support 24 hours a day, seven days a week. Use our online inquiry form to express your concerns or thoughts, any time.
MyChild™ Online Inquiry »

MyChild™ Resources

a woman ordering a resource kit

MyChild™
Resource Kits

Sometimes, it’s helpful to have guideposts to help us navigate situations that are new to us. When these occur, MyChild™ has developed a series of helpful, informative kits to shed light on a diverse variety of popular topics associated with cerebral palsy. The free kits are designed to help individuals manage their condition and maximize future potential.
MyChild™ Resource Kits »

twitter @TheCPorg
MyChild, the ultimate resource for everything cerebral palsy, provides families touched by cerebral palsy with the help they need and the benefits they deserve.
  • Gap Ad Features Child With Cerebral Palsy

    Oftentimes, ads by major clothing companies depict the “perfect” body types and represent images that hurt individuals' self-image and self-esteem. This is why we are so excited to see major clothing company Gap do something unusual: feature a child w...

  • Trunk Or Treat: Accessible And Inclusive Trick-Or-Treating

    By now, you may have the perfect functional Halloween wheelchair costume ready to go. The trick now is finding the right trick-or-treating route for your child that...

  • Halloween Activities for Multisensory Learning

    Our experience in the world involves constant multisensory stimulation. Involving as many senses as possible into learning activities helps the brain develop in an optimal environment.With the occasional exception of taste, stimulation ...

  • Adaptive Bikes For Children With Cerebral Palsy

    Many of us can remember the first time we rode a bike. When mom or dad let go of the seat, we were on our own! We found our balance, and with that we found freedom, a feeling like we could fly anywhere. This is an experience that any parent would want to ...

  • October 22, 2014 Declared Team Hoyt Day

    The inspiring father-and-son team, Rick and Dick Hoyt, will forever represent a symbol of strength and parental devotion, as Boston City Councilor Matt O'Malley declared October 22, 2014 as Team Hoyt Day.