Health Insurance for the Less Research Paper

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Healthy Connections Kids (HCK) is a non-Medicaid administered care program for children up to age nineteen in South Carolina, who do not have other insurance coverage and whose family unit earnings is less than two hundred percent of the federal poverty limit. HCK benefits are founded on the state health plan benefits. Kids covered under this program must be enrolled in one of the Managed Care Organizations (MCO's) who provide HCK coverage. Dental care is billed to Medicaid, but claims for all other HCK services must be filed with the MCO (SC Healthy Connections Kids (SCHIP), n.d.).

Healthy Connections Kids is for uninsured kids up to age nineteen with family wages larger than one hundred and fifty percent but less than or equal to two hundred percent of the Federal Poverty Level. They must have possessions valued at or below thirty thousand dollars. The insurance is founded on the health insurance plan available to South Carolina State workers, with the additional coverage of vision and dental benefits. "Kids who are enrolled in Healthy Connections Kids have benefits that include: doctors visits, health checkups, hospital visits, dental care, prescription drug coverage, immunizations, vision care and eye glasses, lab work and x-rays, chiropractic services and behavioral health services" (SC Healthy Connections Kids (SCHIP), n.d.).

The policy of providing insurance to underinsured children has been a positive thing from the beginning. The goal was to provide health care insurance to those kids who need it but their families can't afford it. It appears from the literature that there are plenty of resources available but there is an issue with getting those eligible to use it. There needs to be more done to get the word out about this program so that those who are eligible are able to take full advantage of it.

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Sick children will more than likely grow up to be sick adults, which in the end puts more stress on the health care system overall. Another issue with this policy that needs to be addresses, but especially so if the number of enrollees increases, and that is accessibility of providers. Those who are enrolled in the problem need to know that there are plenty of places in which they can receive their services. There is no point in providing this type of insurance if those people who need it can't use it. There needs to be more incentives given to providers so that they are willing to participate in this type of program. This could be something more in the way of reimbursements or less in the way of paperwork. Whatever is necessary to supply providers in which these needy children can get the health care that they need. The ultimate goal is to have healthy children which are exactly what this policy could supply with a….....

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