When immunizations are required for kids to attend school, parents often scramble to obtain the required shots for their children. If kids do not have the required immunizations, they are sometimes banned from coming back to school until they meet state requirements. Doctor's offices provide shots for school age kids, but these vaccinations are not always covered by insurance plans. Read on to find out if health insurance always pays for immunizations, and avoid the possibility of being billed hundreds of dollars for something that could have been free in the first place.
Health Insurance Plans and Immunizations
Do you think that visiting the family doctor for required immunizations will save time? Chances are it will not save much time, and more than likely it will not save any money. Medical insurance might not even pay since the health department provides the same shots for free.
Before even thinking about going to the family doctor for immunizations, it is important to find out for certain if health insurance will pay. Some plans do not pay at all, while others pay up to a specific amount according to the child's age. Consult your health insurance plan, or give them a call to find out if they will pay and how much they will pay before making an appointment with the family doctor. Some mandatory immunizations are more than $100 each, and this could run into a considerable amount of money if a few are required.
The Doctor, Immunizations, and Insurance
Time is money, and the family doctor is not always the best resource for required immunizations. This is because they do not always have them on hand. Call your family physician and ask questions before making an appointment for immunizations. They might have one or two of the mandatory shots for school age kids, but if they do not have all of them a trip to the health department might be necessary anyway.
The chicken pox vaccination is currently one that many physicians do not have, and if they will not have one or more of the necessary immunizations anytime soon, why go at all? When a trip to the health department is required, it is senseless to go to the doctor for any of the shots, especially if the insurance company will not pay. In any case the staff at the family physician's office will not know whether or not your particular health insurance company will pay for the shots, but they will gladly bill you for them.
Call the Health Department
Do not just show up at the local health department unless you are aware of their procedures. Some require an appointment, and many are booked solid for more than a month - especially as school deadlines approach. In this case it is possible to go to another health department in your state to receive mandatory immunizations when health insurance will not or might not pay.