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Florida KidCare Health Insurance

Florida KidCare is the name of the state of Florida’s children’s health insurance program. Florida KidCare is very cheap health insurance for children and sometimes is even free! Florida KidCare is not for everyone (of course Florida KidCare is not for adults as the applicant must be under the age of 19) and is only a good fit for children that meet certain eligibility criteria.

Florida KidCare Eligibility Criteria

To be eligible for the program, the child must be uninsured, not in a public institution, not a dependent of a state employee eligible for health insurance, be under age 19 and meet certain family income requirements. In addition, the child must be a U.S. citizen or a qualified non-citizen. A qualified non-citizen is someone who the Federal Government has classified as a “qualified alien”.

Examples of non-citizen children who may be eligible for Florida KidCare as a qualified alien include: children who have been legal permanent residents for at least five years, refugees and those whose removal has been withheld, Cuban and Haitian entrants, Amerasians, dependents of veterans or active-duty military, persons certified by Office of Refugee Resettlement (ORR) as Victims of Trafficking and battered spouse and/or child. In addition, remember that some children born outside the United States may be citizens and thus eligible for Florida KidCare.

Florida KidCare also allows, in some cases, for grandparents who have their grandchildren living with them, to apply for Florida KidCare, regardless of how long the grandkids had been living with them. In addition, grandparents can also consent to medical care for their grandchildren after two stipulations are met. First, the treatment provider has to have made a reasonable attempt to contact the child’s parent or legal guardian and that person cannot be contacted; and second, the parent or legal guardian has not given the medical care provider notice that they are in opposition to the treatment.

Florida KidCare Additional Requirements

If the child meets all the above requirements then there are a few additional questions that Florida KidCare will ask before the child is enrolled in the program. One of the first questions Florida KidCare will ask is if the c hild has had access to employer health insurance. For each child who is applying for Florida KidCare, you must tell Florida KidCare if the child could be covered under a health insurance plan offered by their parent’s employer, even if the child is not covered by the employer’s health insurance now. Additionally, you must tell Florida KidCare how much extra it would cost in monthly premiums to add the child on to the parents group health insurance plan.

Information regarding pre-existing health conditions is another question Florida KidCare will askFor every child that applies for Florida KidCare then the child’s parents or legal guardian must inform Florida KidCare if the child has a pre-existing health condition that keeps the child from getting their parent’s employer health insurance. Answer the questions truthfully and keep in mind that a child with a pre-existing health condition may in fact still be eligible for Florida KidCare health insurance.

A third aspect you will have to share with Florida KidCare is if there has ever been a voluntary cancellation of the employer group health insurance plan.If so, then all children who have had their employer group health insurance coverage cancelled voluntarily in the 6 months prior to the FL KidCare application date will not be eligible for Healthy Kids, subsidized MediKids, or Children’s Medical Services Network coverage.

Florida KidCare Cost

For Florida KidCare, there is never a charge for KidCare Medicaid (Medicaid for children). For all of the other types of Florida KidCare programs, however, monthly premiums will be based on the child’s household’s size and household income. Typically, most families will pay in the $10 to $25 range (monthly). If the household income is such that you will need to pay more then Florida KidCare will let the head of the household know.

If your child is approved for Medicaid or they are denied for coverage with Florida KidCare then any premium payments made will be refunded. For some services there may be required co-payments or small charges. Additionally, if a child is a member of a Federally recognized American Indian or Alaska Nativetribe then they may be eligible for Florida KidCare for free. Meaning, they may not be required to pay monthly premiums or co-payments once enrolled in Florida KidCare.

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