My child has
Knowing what the different plans are — and the different advantages they offer — can help you choose a plan that meets your specific needs.
Protect your most precious valuables ... your kids!
That’s exactly what a health insurance policy is supposed to do. But sometimes you get an unexpected bill because your policy didn’t cover a procedure, doctor or hospital stay. If you have an appointment, visit to the hospital or a procedure scheduled, know before you go. Learn more about understanding benefits here..
People under 30 and people with hardship exemptions may buy a "catastrophic" health plan. This type of plan mainly protects you from very high medical costs. It is protection from worst-case scenarios.
A catastrophic plan generally requires you to pay all of your medical costs up to a certain amount, usually several thousand dollars. Some care is paid for before you reach this limit, known as a deductible. After you reach your deductible, costs for essential health benefits are generally paid by the plan.
Catastrophic plans usually have lower monthly premiums than comprehensive plans, but cover you only if you need a lot of care. They basically protect you from worst-case scenarios, like serious accidents or illnesses. Catastrophic plans cover prevention and some primary care.
In the Marketplace, catastrophic plans cover three primary care visits per year at no cost, even before you've met your deductible. They also cover free preventive services.
If you buy a catastrophic plan in the Marketplace, you can't get lower costs on your monthly premiums or lower out-of-pocket costs based on your income. Regardless of your income, you pay the standard price for the catastrophic plan.
Do you qualify for a catastrophic plan in the Marketplace?
When you fill out a Marketplace application you'll see catastrophic plans listed as options if you qualify for them either by age or because you have a hardship exemption. If you don't qualify for a catastrophic plan, you won't see them as an option.
There are currently 13 types of hardship exemptions. Learn what they are and if you qualify here.
TRICARE is a health care program of the United States Department of Defense Military Health System. TRICARE provides civilian health benefits for military personnel, military retirees and their dependents, including some members of the Reserves. TRICARE Prime is a managed care option with an assigned primary care manager (PCM) who provides most of your care and obtains referrals for specialty care. Members must use network providers. If using non-network providers, members must have an authorized referral in place prior to accessing care. TRICARE Standard is a fee-for-service plan available to all beneficiaries (except active duty service members). Members may visit a non-network provider using the Standard option and will pay higher cost shares. Members may visit a network provider using the Extra option and will pay lower cost shares. Referrals are not required, but members may need preauthorization for some services.
Part of Cook Children's Promise is to serve the health care needs of every child in our community. Sometimes this means lending a helping hand by providing charity care or financial assistance to eligible needy patients. The key qualifications for charity care and/or financial assistance include children who:
These financial options are available to children who are admitted to Cook Children's Medical Center on an emergency basis and do not have the resources to pay for the services. We may also assist families whose children are in current treatment and require financial assistance with other aspects of a child's care which might include such things as lodging, transportation, etc. This is done on a case-by-case basis and only after all other sources of assistance have been explored and/or exhausted. All charity or financial assistance will be granted, if qualified, without regard to gender, race, creed, color or national origin. Our primary goal is care for the child.
You can learn more about the Cook Children's financial assistance policy here.
To learn more about the charity care and financial assistance offered through Cook Children's and/or to apply for assistance, click here.
Cook Children's is not an authorized provider, nor do we accept Care Credit.
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