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Will Health Insurance Cover My Child at Summer Camp?

Will Health Insurance Cover My Child at Summer Camp?

Posted Jul 05, 2017 by Jenifer Dorsey

 

Camp. For many kids, it’s a rite of passage. For many parents, it’s a necessity for getting through the summer. Each year, more than 14 million children and adults attend camp in the United States.[1] And while the overall risk of injury at camp is low, injuries can happen.[2] If they do, will your health insurance plan benefits kick in?

There is not a one-size-fits-all answer to that question. However, we would like to provide you with some general information to help guide you, depending on your health insurance status.

Uninsured campers: Consider short term health insurance

If your family is in between Obamacare plans, your child might be heading off to sleep-away or day camp without health insurance. If so, it may be worthwhile to consider a short term medical plan—temporary coverage for as few as 30 days.

While short term plans are not ACA compliant, which means they do not count as minimum essential coverage under the shared responsibility provision and applicants may be denied coverage based on health history, they provide a range of benefits that may help reduce out-of-pocket healthcare costs.

Temporary health plans can work well for campers for many reasons:

  • Quick and easy application and enrollment. It only takes a few minutes to apply for and enroll in a short term plan. Plans can be purchased online through websites such as healthedeals.com or through a health insurance producer—call the number at the top of your screen to speak with a certified advisor.

 

Get a quote now

No contact information required unless you apply.

 

  • Next-day coverage. Need healthcare benefits at the last minute? You can select a plan effective date as soon as the next day.
  • Customized to your needs. Short term plans last 30 to 90 days. You may also select the plan deductible, coinsurance amount and out-of-pocket limit that make the most sense for your financial situation. In general, the higher the plan deductible, the lower the plan premium and vice versa.
  • Provider flexibility. Many short term health insurance plans allow enrollees to use any provider but also offer discounted care for enrollees who use network providers. Provider networks and restrictions will vary from plan to plan; see policy details.
  • Budget-friendly rates. Short term health plans tend to cost a fraction of major medical plan (i.e., Obamacare) premiums.

Here is an example for a family of four living in the Phoenix area:

Who is covered? Two adults age 40 years old and two children ages 11 and 8

Household income: $125,000 – not eligible for subsidies

Average monthly silver plan premium for a family of four in this area[1]: $619

Quoted monthly premium of a Secure Lite Short Term Medical Insurance Plan for a family of four in this area[2]: $294.23

Let’s say this family only needed short term coverage for the 11-year-old child. Secure Lite coverage for that child only would be $70.72 per month[3].

  • Benefits for a range of healthcare expenses. Short term benefits vary from plan to plan; however, covered expenses often include emergency room treatment; ambulance, ground or air services; doctor office visits; surgical services; and hospital room, board and general nursing care.

 

 

Obamacare or job-based coverage: Check with your child’s health plan + buy a supplemental policy

Coverage may depend on factors such as your plan’s out-of-network benefits and your child’s camp location. Contact your health insurance carrier to ask questions about plan benefits while your child is away.

If you have a high-deductible health insurance plan, you may want to consider a medical gap plan, supplemental insurance that can work in tandem with your Obamacare plan. Medical gap plans such as Metal Gap or Metal Gap 2, which are available through healthedeals.com, provide lump-sum benefits for covered accidents and critical illnesses. Those benefits can be used to pay for out-of-network care, coinsurance and copayment amounts, medical bills before your deductible has been reached, living expenses such as rent/mortgage, transportation and more.

 

What is a medical gap plan?

Get a quote—about $1/day!

 

Learn more about medical gap plans by calling the number at the top of your screen.

CHIP/Medicaid: Contact your state program for benefits

CHIP (i.e., the Children’s Health Insurance Program) and Medicaid provide free and low-cost health insurance for children. If your child is enrolled in a CHIP or Medicaid plan and heading away to camp, contact your child’s benefits provider to ask questions related to coverage. Program eligibility and benefits vary by state program. To learn more about your state program, visit insurekidsnow.gov.

We hope your child’s summer camp experience is as healthy and safe as possible. Please don’t hesitate to contact one of our certified advisors with questions related to temporary benefits, Obamacare and supplemental plans.

 

Originall posted July 7, 2016.


Legal Disclaimers

[1] American Camp Association. “2013 ACA Camp Compensation and Benefits Report.” Accessed June 30, 2016. http://www.acacamps.org/press-room/aca-facts-trends

[2] Nationwide Children’s Hospital. Injury Research and Policy. “Summer Camp Safety.” Accessed June 30, 2016. http://www.nationwidechildrens.org/cirp-summer-camp

[3] Henry J. Kaiser Family Foundation. “Health Insurance Marketplace Calculator.” KFF.org. Accessed June 30, 2016. http://kff.org/interactive/subsidy-calculator

[4] Quote accessed July 1, 2016, on healthedeals.com. Rate is for a Secure Lite Short Term Medical Insurance Plan with a $500 deductible, 80 percent coinsurance, and $4,000 out-of-pocket.

[5] Ibid.