Child Health Insurance Tips- Finding the Best Health Insurance for Your Child

Health is everything. No matter what wonderful dreams you have for your child, their health trumps them all. Keeping your child healthy will allow them to chase their dreams. And good health insurance can help keep them healthy.

Having good child health insurance will allow you to make sure your child gets all the preventative care that he or she needs. And if anything unfortunate does happen, good health insurance coverage will help you to get the best medical attention you can, giving your child the best chance at a full recovery and a healthy life.

If you don't have good health insurance coverage for your child, you may skip the necessary and regular check-ups at the doctor that a child needs. And this could cause bigger problems as the child gets older.

While health insurance is getting more and more expensive, there are still a variety of different plans that make it possible for you to find something that works within your budget and still takes care of your child.

Different kinds of health insurance policies can cover a variety of different medical needs such as hospital care, medical coverage with advanced surgeries and therapies, clinical check ups, etc. Other aspects such as vision, dental, and medical equipment like wheelchairs may be included in the health plan.

Having a variety of health insurance plans [http://www.myhealthinsurancetips.com] that cover a mix of these topics can help you to find child health insurance coverage that will fit within your financial budget. And as your situation changes over time, you can alter your health plan as well.

Researching health insurance is time consuming and not a lot of fun. However, there aren't many more important things you can be doing and by researching thoroughly and looking into a variety of different health insurance plans, you will be able to find a plan that's most appropriate for you at the best price available.

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Pharmaceutical Companies Ignore Child Health Care in Favor of Profits!

Child health care is not only geared towards keeping a child healthy; it also concerns the care and treatment of a child after disease has stricken. Children in infancy, toddlers, and elementary schoolers are constantly getting sick, usually by some common flu or disease that strikes most kids. Care usually means a few days in the bed, soup, cough medicine, and home remedies that have worked since the Revolutionary War. These mild illnesses are to be expected: our immune systems develop resistance after exposure, but exposure comes first. By the time we are adults, our immune system has thousands of resistances, and it's only the flu and those major diseases that endanger us. Despite the seeming susceptibility of children to common diseases, when compared to adults, children are simply more healthy. Child health care seems not to be as high a priority as adult health care. For example, every year, a million American adults are diagnosed with cancer, but no more than 13,000 children under 19 receive the same diagnosis. As might be expected, health care dollars will be directed to those million, but with little directed towards those 13,000 children with the same ailment.

This inequity in child health care makes sense if you look at it from the view of the pharmaceutical industry. There's more money to be made developing drugs that will treat those million then to be made developing drugs for 13,000 children. This is clearly demonstrated by the variety of drugs that are available for the treatment of sick children. More than likely, if your child is taking a medical drug, it's one that was tested and labeled for use by adults. Two thirds of all pharmaceuticals used on children fit into this category. Pharmaceutical medicines are just not created with children in mind.

Part of the problem of developing medicine to be used for child health care is that, as mentioned above, children are more healthy than adults. To test a drug, you need sick people, but with so few sick children, it's difficult to gather enough for testing and study. With a disease like cancer, you've got a very small population indeed. That's why 93 percent of cancer stricken children are being treated with at least one drug that is not approved for pediatric use. To overcome this shortage of child test subjects, national and international networks have been established to combine geographically separate groups of ill children, primarily those with cancer, to form a large enough group to test.

Most pharmaceuticals that work for adults will work for children as well, but few will come with dosage requirements for children. The attending physician will normally calibrate the correct amount for the child and determine the appropriate dose. This works, to some extent, but administering drugs to children that have not been tested for children is still a dubious practice. Children may suffer side effects that adults will not.

Because the pharmaceutical companies lack the economic incentives to develop drugs for child health care, the Federal government has passed laws forcing them to do so. In 1998, the FDA required drug companies to test drugs that would be used on children, but in 2002 the requirement had to be dropped when it was determined the FDA did not have such authority. Recognizing that drug manufacturers are moved more by a profit potential than by compassion, Congress passed the Pediatric Research Equity Act of 2003 and the Best Pharmaceutical for Children Act in 2007. Drug companies that develop drugs for child health care under this act are rewarded with a six month extension on exclusive marketing.