Learn About Baby Health Insurance Cost Average In California
Congratulations on your new baby! This time of your life can be very exciting. The last few months before your baby arrives to the point you get to bring them home seems to go so fast. Many of you are worried you will not have time to get everything done. Making sure you have everything they will need such as a crib, car seats, blankets, diapers, etc., and preparing yourself for the financial responsibilities that go with becoming a parent can be overwhelming. So to prepare for the cost of child health insurance California parents need to factor these costs into an overall plan.
If you are currently covered by your own health insurance plan, your baby will be covered for the first 30 days of their life, but you will need to determine how to provide them with baby health insurance after that period. Many people put off looking into their insurance options and the cost of baby health insurance until they are under pressure to make a quick decision, so looking into your choices now will help you feel more prepared and avoid being surprised at the cost of child health insurance in California.
Baby Health Insurance Cost Is High In The First Year
The first year cost of health insurance plans for your baby will be the highest at this time but it is important they are insured so they can receive the best care.
If you have to get a separate health insurance plan for your child, you will see the prices begin to drop after the first year. Typically, the older your child gets the less expensive it will become. By the time your child reaches 3 years old, you could see the price drop dramatically.
The Anthem Blue Cross Tonik Plan that provides a $5,000 deductible and $20 office co-pay would only be $148 a month at age 3, while as a newborn the cost would be $339. The Health Net Advantage PPO 3500 Plan that offers a $3,500 deductible and $40 office co-pay would cost $182 for your baby, and only be around $105 per month when your child is 3.
During the first year of your child’s life, they will have multiple trips to the doctor for Well Baby checkups. These appointments ensure that your child is developing properly and allows you to have multiple conversations with their doctor about any concerns you may have. Well Baby visits are considered preventive care and are covered for free under all health insurance plans. Simply having a policy could save you hundreds of dollars when you consider the amount you would pay for these basic office visits.
Baby Health Insurance Cost Average In San Jose, Merced, and San Diego, CA
Depending on the health of your baby you many end up visiting the doctor more often, which could add up quickly without insurance. Every child is different and it may take a few months for you to determine how often they will need to see their doctor. Baby health insurance cost average in Northern California is around $391, the Central Valley area average is $317, and Southern California average is $338 per month.
Some of the more popular plans when considering baby health insurance cost average (higher deductible, lower price) vary from $280 in Northern California, $211 in the Central Valley area, $251 in Southern California.
If you find in that the first few months of your child’s life, they rarely get sick then you will probably opt for a higher deductible and a lower price. If there were complications during their birth or they tend to get sick easily you many want to consider a plan with an office co-pay to keep your out of pocket expense to a minimum, but this may mean a higher monthly premium.
Baby Health Insurance Price Examples
To give you a specific example of baby health insurance price, let’s assume that you live in San Jose and are looking for a high deductible plan with an office co-pay. The Health Net PPO Value 7500 plan offers a $35 office co-pay, this plan would run around $143 a month. It does have a $7,500 deductible, which is one of the higher deductibles, but if your child rarely visits the doctor, this plan will provide the coverage your baby needs.
If you feel that your child will need more coverage, you can choose the Kaiser Permanente $25/$1000 Deductible plan that has a $25 co-pay and a $1,000 deductible; however, the premium would increase to around $482 a month. One of the hardest decisions you will have to make is just trying to determine what coverage levels your child will need.
If you already have a health insurance policy, adding your child to the existing plan may be the less expensive option. Adding on your child will increase the average monthly cost by $168 in the Central Valley which is much less than the average $211 you would pay to put your baby on a child-only individual plan.
If your baby was born with or has developed some heath problems, then it will be important to get a plan with higher benefits. Putting both a parent and the baby on this type of plan will substantially increase the premium. Getting your baby a child-only individual plan may end up costing less. Ask for health quotes that add your baby to your current plan as well as a child-only individual plan to see which would save you the most money.
If you are unable to pay the cost of your child’s health insurance, there are some free and low-cost programs available in California. The Medi-Cal program provides free health services for children, and the Healthy Families program offers low-cost medical insurance for children. You can also seek assistance from your local and state health departments about the options available. Come back soon to read our article “What Are The Affordable Baby Health Insurance Options – I Can’t Pay Much“, to learn more about how to get financial assistance with health insurance for children here in California.
One of the most important steps you should take before the arrival of your newborn is to start familiarizing yourself with the health insurance plans for baby and figure out what you can reasonably afford to spend on insurance. Factoring these insurance costs into your overall baby budget for the basics, like diapers, clothes, food, etc., will make the transition to having your baby at home go much more smoothly. SFP Insurance can provide you with a variety of plans from all the major insurance companies, and work with you to find a solution for your needs. Call us if you have any questions and one of our advisors will be glad to help you.
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