See this child?   Looks innocent,doesn’t she?  Harmless.  Well, she is that child.Yes, well, this same child is the one who fell and split her lip at age 3 and needed stitches and the same child who fell and broke her arm about a year later, made like Houdini and pulled the first cast off and had to have a second one put on.  Then of course she is also the one who suffers in silence while her ear drum is bursting so I have to try to out guess her and often take her to the doctor when she isn’t sick and other times when she is way, way, way sick. Can you imagine what all of this would have cost us without sufficient insurance to cover her?

You may recall that I posted last year about United Heath Care in conjunction with Mom Select. Well, guess what?  I’m baa-ack.:D  Seriously though, have you noted that they have started promoting Flu Shots earlier this year?  Trust me , August is earlier.  Usually, October 1 is the typical start date and September is early.  This year, August.  Sounds to me like the game’s afoot!

So why should you be reading this and why should you worry about having more or insurance just for your kiddos?

1. The K-12 Student Insurance Health Plan is exclusively offered to school-age children ages 5–18 (ages 4-18 in Texas), and is available though participating school districts, from small rural school districts to the largest in the nation such as Los Angeles Unified and Miami/Dade County.
2. UnitedHealthcare StudentResources has partnerships with thousands of school districts across the U.S. The schools promote the health plan as a valuable service to families, giving parents group buying power and group savings for insurance for their children.
3. While the K12 Health Plan can provide a level of protection for uninsured children, it is also being purchased by many families who have high-deductible employer coverage.
4. “What if I already have health insurance for my kids?” K-12 insurance may be used in conjunction with other insurance plans. Is your health insurance high-deductible hard to meet? Employer “high-deductible” plans can add up to hundreds or even thousands of out-of-pocket dollars per family member. TheK-12 health plan allows parents to provide extra coverage for their children that can pay them back for eligible medical expenses.
5. Example: If your employer insurance has a $1000 deductible per person and you take your child to the emergency room, you may be required to pay the first $1000 out-of-pocket. The K-12 health plan can reimburse you for your child’s eligible medical expenses after only a $50 deductible per year.
6. The K-12 Health Plan Advantages:

• 24-Hour protection for eligible injuries and sickness, at home or at school
• Unrestricted choice of medical providers (Doctors, Hospitals, etc…)
• Open enrollment throughout the school year and summer
• Parents can enroll their student at any point in the year [July 1 – June 30]
• Same Day Enrollment/Coverage
• Can combine with other health insurance for extra protection
• $50 deductible per policy year
• Easy online enrollment in minutes

See, they really have done their best to make it easy and doable for every family.  Worried about how to afford it?

You can protect your child for less than the price of a daily school lunch

• The K-12 health plan is designed to be affordable – rates have not increased since 2006.
• $588 per policy year or $147 quarterly or $98 every 2 months) That equates to $1.61 per day.
• Parents can pay 2 months at a time to make it easier on their budget.

To see if a (your) district is participating and learn more, visit www.K12LearnMore.com and click on Plans & Pricing tab. Then enter your school district name (or just a few letters) and state. Click View Plan Materials to review the Health Plan/Injury and Sickness Coverage page.

When ready to enroll, click the Enroll Now button and follow these 4 easy steps:  1. Complete some information about the child, 2. Select the Injury and Sickness plan, 3. Create an account, 4. Make a payment by credit card or e-check.

Do all of this and hopefully sleep with the peace of mind that when that child is on a roll again,you will be prepared financially.

I wrote this review while participating in a blog tour campaign by Mom Select on behalf of United Health Care and received a gift certificate to thank me for taking the time to participate.