A common question we run into is, can foster children be added to my employer sponsored health insurance plan?
To make it easier for you, we’ve done our research and asked the health carriers, and unfortunately, the answer to this complex question is no.
The reason foster kiddos cannot be added to your health insurance plan is because those kiddos are considered wards of the state. Therefore, the state of Indiana is required to provide Medicaid services for free, at no cost to you, for the child.
This is why private insurance companies such as Anthem, PHP, or UnitedHealthcare, will not allow you to add your foster kiddos to your plan. They know that the state is obligated to provide that coverage for them!
If you have questions about your health insurance plan, give Clevenger Insurance a call at 574-267-2181.