Your Child in the Hospital
State-sponsored supplemental insurance
Most states have supplemental insurance programs for families with children who are living with chronic conditions. These programs often help cover services, prescriptions, and copayments that your primary insurance will not. You can get more information about the specific programs in your state from your hospital social worker, or by calling your state’s department that regulates insurance (e.g., State Insurance Commission).
In Michigan, besides my husband’s insurance, we also have what is called Children’s Special Health Care Services (CSHCS). It is a secondary insurance that pays for what our primary insurance doesn’t: co-pays and prescriptions, trips back and forth to the hospital, doctor appointment and prescription co-pays for my husband and me, our stay at the Ronald McDonald House. Any expenses related to treatment that our primary insurance won’t cover, this will. The amount you pay for this coverage is based on family income. It has been a lifesaver for us.
Table of Contents
All Guides- Introduction
- 1. Before You Go
- 2. The Emergency Room
- 3. Preparing Your Child
- 4. The Facilities
- 5. The Staff
- 6. Communicating with Doctors
- 7. Common Procedures
- 8. Surgery
- 9. Pain Management
- 10. Family and Friends. What to Say
- 11. Family and Friends. How to Help
- 12. Feelings and Behavior
- 13. Siblings
- 14. Long-Term Illness or Injury
- 15. School
- 16. Medical and Financial Records
- 17. Insurance
- 18. Sources of Financial Help
- 19. Looking Back
- My Hospital Journal
- Packing List
- Resources
- Contributors
- About the Author