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Alabama Health Insurance for Children

We have low cost Alabama child-only health insurance. A parent does NOT have to be on the plan.

The new healthcare bill, in addition to causing increases in health insurance premiums, has also eliminated the possibility of obtaining a health insurance plan for your children without you being on the plan with them.

However, we still have a carrier that will write child only health insurance.

The Plan

They have gotten around the problem of offering Alabama child only health insurance by using something called renewable short term plans.

The initial term for the plan is up to 12 months and it can be renewed with a one day lapse. We even have ways where you do not have to go uncovered for one day.

This is full coverage from an "A" rated carrier. You can use any doctor as there are no required networks. However, for the hospital portion you will save money if you use the included BeechStreet PPO network.

They provide a $50 co-pay (with no deductible) for the first three visits to a physician or urgent care center. Everything else goes against the deductibles which start at $250 and go up to $10,000.

These plans are not very expensive and the deductibles and maximum out of pocket expenses are comparable to or in many cases lower than other major medical plans.

Quotes, More Information and Enrollment

Everything is done online. You simply use this link (click on it) :

You can view the plan online and apply with the following: (click on the link):


When you fill in the information, your child is the Applicant.

If there is more than one child, make the oldest child the applicant and the other children the dependents.

Once you get your quote, you will be able to adjust the deductibles which will automatically adjust the rate on the screen. You will see an Apply button or link.

It is a very simple form and coverage can begin the next day.

If you need any help, please call us.

Features include:

Bulate list Up to $2,000,000 Lifetime Maximum per Covered Person
Bulate list Choice of Coverage Periods of up to 6 or 12 months (12 month option is not available in all states)
Bulate list Doctors Office and Urgent Care Center Visits - $50 Co-pay (Maximum of 3 per Covered Persons)
Bulate list Choice of deductibles - $250, $500, $1,000, $2,500, $5,000, $7,500 or $10,000
Bulate list Coinsurance options of 80% or 50% up to either $5,000 or $10,000
Bulate list Freedom to choose any doctor or hospital
Bulate list Child Only Coverage available - minimum age two years old
Bulate list Foreign Travel (medical care while in a foreign country) covered up to $25,000 (After a $250 benefit deductible)
Bulate list Choose to pay premiums two convenient ways, in a single up front payment for 30 to 180 days, or pay by convenient monthly installments

Optional Benefits - Extra Care Package:

If you sign up for the plan you will see an option on the payment page for the Extra Care Package. This package has some very interesting and useful benefits.

CallMD - You can speak with a physician at any time on the phone for a consultation. In most states, the physician can even call in a prescription for you to your local pharmacy. I am sure you will immediately realize what a cost savings this can be.

Dental Services - This is the Careington Dental Discount plan.

Lab Services - This is a discount program from Direct Labs. They seem to be available throughout the United States and will give you a substantial discount on all lab tests.

24 Hour Nurseline - You can talk to a nurse at any time.

We are available from 9 AM to 8 PM Monday to Thursday and until 5 PM on Friday
Call us at 800-272-0512

Martin Unger - President

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