Some Vaccinations Not Covered by Health Insurance

August 9th, 2007 by Brad C

Now there’s one more thing to consider when choosing a health insurance policy that protects your school age children - vaccination coverage.  A study by Harvard assistant professor Dr. Grace Lee concluded that many children are underinsured, resulting in incomplete vaccination programs.

There are several factors which helped to create this problem.  In the last five years the number of recommended vaccines has nearly doubled, along with requirements in the timing, age levels, and combinations for maximum results from the injections.

The cost has skyrocketed as well in the last dozen years - from $155 in 1995 to $1170 in 2007.  Additional shots, like three doses of the human papillomavirus vaccine (at $150 each), hepatitis A, influenza, rotavirus and Tdap caused the increase.  All the changes have resulted in gaps in coverage, such as some insurance policies not covering all the vaccines while others cover the vaccine but not the procedure.  Government programs have provided some relief for the situation, but are not completely covering the shortfall.

So what’s a parent to do?  As you compare coverage of prospective insurance companies, make sure that health vaccinations are one of the included items.  If you don’t specifically see inoculations listed, call each company’s customer service line and ask what is covered.  Do keep in mind that only more expensive policies may cover everything, so decide whether it is better for your budget to have a less expensive policy and pay for some of the shots yourself.  That is why it is so important to compare health insurance rates and coverages before you buy your policy.

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Listen to Some Vaccinations Not Covered by Health Insurance
Listen to Some Vaccinations Not Covered by Health Insurance

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