Friday, September 18, 2009

Are Your Kids Covered?

In the middle of what could perhaps be the most controversial discussion our country has ever had regarding healthcare, I find myself and my family uninsured.

I have been in an uninsured position before. When Little Man was 3 he fell and landed on the glass jar in which he was carrying recently caught lizards. The jar broke and sliced his finger open and blood spurted EVERYWHERE! While he bemoaned the fact that the lizards got cut and died, I was wrapping a towel around his hand and hollering for my husnband to go pull the car around so we could get to the hospital. 4 hours, 4 stitches, one rude ER doctor and one bill for $678 later, we returned home and realized this would probably not be the last time we found ourselves seeking medical help for our kids. That realization has proven correct many times since.

So it is a bit ironic that at a time when my kids are most vulnerable to complications from illness or injury, I was approached to share information about United Healthcare's Student Resources, an insurance program designed specifically for K-12 students and offered only through participating schools.

The student healthplan they offer "helps protect kids while they are being kids," which mine do often. The plan's key benefits include the following:
  • The health plan offers protection/coverage for injury AND sickness, 24/7/365.
  • UHCSR's program is only available through many participating school districts and participating private schools. Nationally available through schools that belong to the Association of Christian Schools International.
  • The Health Plan is available to K12 students from ages 5 - 18 (ages 4-18 in Texas
  • While the K12 Health Plan can provide a level of protection for uninsured children, it is also being purchased by families who have a high deductible on their employer coverage. The K12 Health Plan can reimburse them for their children’s eligible medical expenses while they are working toward meeting their deductible on their employer's plan.
  • Designed to be affordable at $588 per policy year or $98 every two months. Parents can enroll their student at any point in the school year.
There's a lot of other information that you should check out to see if this coverage is right for you and your family. You can do that by visiting their website - You'll find lots of details and answers to your questions and you can even enroll right there on the site by follwing these steps:
  1. Click on Plans & Pricing tab and enter school or district name and select the child’s school when it appears.
  2. Click View Plan Materials which will allow you to review the plan brochure and Student Health Plan Coverage page regarding Benefits.
  3. To enroll, click the Enroll Now button on the Plans & Pricing tab (or from the Home page).
  4. Enter required information about your child, select the plan you want, create an account, and make a payment.
  5. Breathe easier knowing your kid will be covered when he/she is out being a kid.
While we struggle financially, we also struggle emotionally with how to best care for our boys and provide for their needs. United Healthcare Student Resources offers a very affordable plan that will allow us to address some of those needs and worry just a little bit less. And we can all use less worry in our lives, yes?

**This is a sponsored post for which I was compensated, but it is an honest review of United Healthcare's K12 plan, which I believe to be an affordable coverage option for school age kids.


The Sports Mama said...

This is actually a topic we've been discussing a lot at home, too. I'm now eligible for health benefits at my new job, but they are an amazing $600/month... which is just not reasonable when compared with my pay rate! And because I'm working now, we're slated to lose AHCCCS, and I'm sure I've mentioned the cost of Bug's meds? Yeah. And with them both playing sports?

Anyway, I'll check this out! :)

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