A. Ask if the plan has programs designed to prevent injuries and promote healthy behaviors. Examples of injury prevention programs include workshops that encourage the use of child safety seats, seat belts, and bicycle helmets for children. Other important child safety programs may address poison prevention, child safety tips for parents and babysitters, instructions on how to handle medical emergencies, and information for parents and children on the importance of avoiding drugs and alcohol. Some plans offer counseling programs for parents, pre-teens and teenagers on domestic violence or if alcohol or drug abuse is suspected. After an injury, the plan or primary care physician should offer information to parents and children on ways to avoid having a similar incident in the future.
Some plans offer bike helmets and child safety seats at a discount.
Most plans provide coverage for emergency medical conditions. This co-payment is usually waived if your child is admitted to the hospital. Many publicly funded programs do not include co-payments for emergency services. Before joining any plan, you should understand the plan's policy regarding payment for care received in an emergency department. Many plans require you to notify them within 24 to 72 hours after an emergency department visit.