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Choosing Insurance

patient in crib

We recognize that figuring out how to select affordable health coverage can be confusing for families.

If you have health insurance, it might be very helpful to learn as much as you can about the policy – what’s covered, how much will your family have to pay out of pocket, etc. - before your child needs treatment.

If you do not have health insurance and are in weighing different options, here are some questions to consider when choosing insurance for your child and how it covers specialized health care available at Children’s National:

  • Is your pediatrician enrolled as a provider with the insurance?
  • Are Children’s National and physicians “in network?”
  • Is a primary care physician referral required for any specialty care or visits?
  • Compare out-of-pocket expenses for doctor visits, medications, emergency visits and hospitalizations.  Some medications for children can be very expensive.
  • Ask for “benefit exclusions” to see what healthcare services are not covered.
  • Check to check to see if all of our outpatient locations are also in network with the plan.  
  • What insurance does Children’s National accept

If you live in the District of ColumbiaMaryland or Virginia, you may want to consult this online guide, which provides more information on how to buy insurance.