CHILD-ONLY INDIVIDUAL HEALTH COVERAGE
The month of January is open enrollment period for ‘Child-Only’ coverage in Georgia, and consumers are encouraged to act now to apply for coverage for their child, age 0-19.
What is a ‘Child-Only’ Policy?
A ‘Child-Only’ plan is a type of policy that can be purchased by parents that are uninsured, whose employers do not offer health coverage to dependents, or who have had a qualifying event such as loss of coverage due to a job change. A legal guardian can also purchase this type of policy if they are insured by Medicare.
Who is Eligible?
· A child is eligible if they are not currently enrolled in or eligible for other health coverage.
· Insurers cannot decline an eligible child applying under this program, but medical underwriting for rating purposes is allowed.
How do I apply?
· To apply for a ‘Child-Only’ policy, contact a licensed Georgia health insurance agent or broker.
· Insurers active in the comprehensive, individual health market must offer a ‘Child-Only’ policy. This includes many of the major health insurers, but insurers that do not offer comprehensive individual health insurance in Georgia are not required to participate.
· Insurers participating in this program are required to post information about ‘Child-Only’ coverage on their websites.
· Open enrollment is January 1-31, 2013
What if I miss the deadline?
After the open enrollment ends, only those parents experiencing a qualifying event with a child, such as birth, adoption, or loss of dependent coverage for reasons other than fraud or failure to pay premiums can apply during a special enrollment period that runs for 30 days from the date of the qualifying event.
Anyone with questions about the open enrollment process may call the Georgia Department of Insurance at 404-656-2070 or toll-free at 800-656-2298. Calls are taken Monday through Friday from 8 a.m. until 6 p.m. You can also contact us online at www.oci.ga.gov .
House Bill 1166: http://www.legis.ga.gov/Legislation/20112012/127068.pdf
News Release: http://www.oci.ga.gov/ExternalResources/Announcements/NewsReleaseInsurance-12262012-1614.pdf