From the flu to broken bones, illnesses and medical emergencies seem to be inevitable parts of raising kids. It can be stressful any time your child needs medical attention, but even more so when you're worried about where to get that care and how much it will cost.
About Consumer-Directed Health Care
We have more options for getting health care and paying for it than ever before. There is a movement toward consumer-directed health care, health insurance that is designed to get those who use health care — like parents — to play a bigger part in keeping costs in check.
Many different types of consumer-directed health care plans are available, each with its own benefits and limitations. Many of these plans feature high deductibles (the amount of money parents must spend before health care is covered by insurance) as well as health care savings accounts, which make it easier for parents to save money to pay for the services that insurance doesn't cover.
Some plans cover preventive care, routine checkups, vaccines, tests, and regular disease screenings, but others don't. So when you're choosing health insurance, it's important to look for a plan that meets your family's needs.
Navigating the Health Care System
Rising costs and increased variety among health care plans can make it challenging to find your way in the health care system. The good news is that making decisions while everyone is healthy can help reduce the stress and financial strain when someone in your family does need medical care.
- Choose your coverage carefully. Carefully consider your family's health care needs. While it's impossible to predict sudden illnesses and accidents, you can anticipate some things. For example, if your child has a chronic disease (like diabetes, asthma, and allergies) that requires frequent checkups and tests, make sure to pick a plan that covers them. A representative from the insurer — or your employer — should be able to answer any questions about those kinds of issues.
- Make a medical home. Try to establish a long-term relationship with a pediatrician or family doctor who can:
- get to know your family
- provide well care and most of the sick care your child might need
- keep complete medical records of things like immunizations and growth
- become familiar with your family's medical history
- Don't skip checkups. It's important to keep regular checkups even when kids aren't sick — this way, doctors can make sure they're developing as expected and can catch any health concerns early so that they don't become expensive and hard-to-treat medical problems later.
Letting regular checkups lapse may save time and money in the short-term, but ultimately might translate into bigger bills and longer waits at the doctor's office. If parents wait until kids are really sick to see the doctor, they're likely to require more intensive — and expensive — medical care. And if hospitals and doctors have to provide a larger amount of more expensive care, they’ll ultimately have to charge consumers more to cover their costs.
- Keep vaccines up to date. Checkups are especially important so that kids can stay current on their immunizations. In recent years, vaccines have been developed to stem illnesses like the flu, infantile diarrhea (rotavirus), hepatitis, meningitis, and human papillomavirus (HPV). Parents have more opportunities than ever to keep kids healthy and safe from contagious illnesses.
- Don't delay care. When kids are sick or injured, it can be difficult to decide how much medical care they need. Ultimately, if you're unsure about what medical care your child needs, your doctor — or a nurse who works in the office — can help you determine what to do. The important thing is to ask questions before something turns into an emergency.
- Check it out before you act on it. More health and medical information is available than ever before — on the Internet, through support groups, in magazines and newspapers. All that information can be helpful, but you should never rely on it as a substitute for medical care or advice given directly to you by a medical professional. It's important to check out anything you hear or read that might be relevant to your child's health with a doctor or nurse before you act on it. He or she can tell you whether that information is accurate and appropriate, given your child's health and medical history.
Reviewed by: Steven Dowshen, MD
Date reviewed: February 2010
|American Medical Association (AMA) The AMA has made a commitment to medicine by making doctors more accessible to their patients. Contact the AMA at: American Medical Association|
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|Centers for Disease Control and Prevention (CDC) The mission of the CDC is to promote health and quality of life by preventing and controlling disease, injury, and disability. Call: (800) CDC-INFO|
|Consolidated Credit Counseling Services This group's mission is to assist families throughout the United States in ending financial crisis and to solve money-management problems through education and professional counseling.|
|United States Office of Consumer Affairs (OCA) The OCA seeks to promote a better understanding between businesses and consumers, to help businesses improve their services, to educate consumers, and to provide the consumer viewpoint in the development of policy.|
|Centers for Medicare and Medicaid Services This website contains all the information you need to understand your health care.|
|American Academy of Pediatrics (AAP) The AAP is committed to the health and well-being of infants, adolescents, and young adults. The website offers news articles and tips on health for families.|
|AAP Pediatric Referral Department Use this website to find a pediatrician in your area or to find general health information for parents from birth through age 21.|
|American Academy of Family Physicians This site, operated by the American Academy of Family Physicians (AAFP), provides information on family physicians and health care, a directory of family physicians, and resources on health conditions.|
|Your Child's Checkups You visit the doctor regularly to ensure your child is healthy, and it can be tough to remember everything you discuss. These printable sheets can help you keep track of it all.|
|Financial Management During Crisis Although the emotional price of raising a seriously ill child can be devastating, it's only part of the picture. Even during this difficult time, you have to consider the financial implications.|
|How to Talk to Your Child's Doctor Building a relationship with your child's doctor requires communication and reasonable expectations.|
|Preparing Your Child for Visits to the Doctor When kids anticipate "going to the doctor," many become worried and apprehensive about the visit. Here's how to help them.|
|Finding a Doctor for Your New Baby Along with considering baby names and?buying a crib, choosing the right health care provider should be on your to-do list when you're expecting.|
|Caring for a Seriously Ill Child Taking care of a chronically ill child is one of the most draining and difficult tasks a parent can face. But support groups, social workers, and family friends often can help.|
Note: All information is for educational purposes only. For specific medical advice, diagnoses, and treatment, consult your doctor.
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