- Children Diagnosed With Cancer: Financial and Insurance Issues
- Insurance can be complicated
- Private health plan coverage for children
- How to manage your child’s health insurance
- Where can families get answers to questions about health insurance?
- Keeping records of your child’s insurance and medical costs
- Handling a health insurance claim denial
- Keeping employer-sponsored health insurance coverage when you leave your job
- What if my child’s medical care is covered by more than one insurance company?
- Government-funded health plans
- Who regulates insurance plans?
- Options for uninsured children
- State coverage and health insurance options for the hard to insure
- What sources are available to help with treatment costs if my child doesn’t have insurance and there’s no public assistance available?
- Financial issues for families: Getting help with living expenses
- To learn more
Who regulates insurance plans?
It’s important to know who regulates a health plan if you have a problem that you can’t resolve directly with the plan. You have the option of talking to the government group that regulates the health plan to find out if they can offer more information or extra help:
- The private group plans (or fully insured plans) that employers purchase from insurance carriers as a benefit for employees are overseen by your state’s insurance commission or department of insurance. You can find this department in the blue pages of your phone book, or contact the National Association of Insurance Commissioners (see the “To learn more” for contact information).
- Self-funded plans (or self-insured plans) are health plans that employers or unions create rather than purchase. They’re overseen by the US Department of Labor’s Employee Benefits Security Administration. (You can ask your employer if their health plan is fully insured or self-insured.)
- Managed care plans are regulated by several state and federal agencies. Your state insurance commission or department of insurance can give you information about a specific plan.
- Medicaid is controlled by your state health department.
- Medicare is run by the US Social Security Administration.
- TRICARE is overseen by the US Department of Defense.
- The Veteran’s Health Care system (including CHAMPVA) is regulated by the US Department of Veteran’s Affairs.
Last Medical Review: 05/16/2013
Last Revised: 05/16/2013