Asthma in children is becoming more common.  Due to Health Care reform children with pre-existing conditions can no longer be denied Medical Insurance based on those conditions.  Medical Insurance carriers are requiring, however, children to be on a Medical Insurance health policy with at least one other adult relative or guardian. That could become a little tricky if the child has parents that have health conditions that may cause them to be rejected by Medical Insurance providers.  Trying to find Medical Insurance for your child?  At Insurance Medics we would be happy to provide you with no obligation Health Insurance Quotes.  Just give us a call.

Asthma in children can begin at any age but children will usually have some symptoms by age 5.  A three day stay in a hospital for a young child that cannot breathe could cost as much, or more, than $80,000.  That’s why it’s so important that your children have quality, affordable Medical Insurance.

Medicinenet.com has some great information about allergies in children.  “There are many risk factors for developing childhood asthma.  These include:

  •  Presence of allergies
  • Family history of asthma and/or allergies
  • Frequent respiratory infections
  • Low birth weight
  • Exposure to tobacco smoke before and/or after birth
  • Being male
  • Being Black
  • Being raised in a low-income environment”

It can be difficult to diagnose asthma in children.  Your medical insurance will certainly be a big help in figuring out what is wrong.  Medicinenet.com lists the signs and symptoms to look for.  They are:

  • Frequent coughing spells
  • Less energy during play
  • Rapid breathing
  • Complaint of chest tightness or chest “hurting”
  • Wheezing
  • See-saw motions in the chest from labored breathing
  • Shortness of breath
  • Tightened neck and chest muscles
  • Feelings of tiredness
  • Dark circles under the eyes
  • Frequent headaches
  • Loss of appetite

The frequent coughing spells seem to be the strongest symptom that may indicate your child may have asthma.   Before taking your child to the doctor take a good look at your medical insurance plan.  What is a high deductible health plan?  Do you have doctor co-pays?  Prescription coverage?  What does the medical insurance policy say about out-patient testing?  A lot of medical insurance carriers will require you to meet the deductible without patient testing so make sure you know if your medical insurance policy does require that and what the amount of the deductible is.  If you are shopping around for health insurance quotes and have young children you should probably pay attention to the deductible.  Some of the testing that may be required is a chest x-ray, allergy skin testing, and gastro esophageal reflux disease testing.