LGBT Kids/Youth

If you are seeking coverage for a child or person under 26 years old on your health plan, the questions in the Definition of Family section will be important to ask. And if a plan covers children, they can be added or kept on that health insurance policy until they turn 26 years old. If you are a person under the age of 18 seeking healthcare for yourself, at least 34 states allow minors to apply for health insurance without parental consent.

Children for whom you are seeking health coverage may qualify for the Children's Health Insurance Program (CHIP), which provides free or low-cost health coverage for children in families with incomes up to $49,959/year (for a family of four). In many states, families can have higher incomes and their children can still qualify. Each state program has its own rules about who qualifies for CHIP. If your children qualify for CHIP coverage, you won't need to buy a Marketplace plan to cover them.

  1. Eligibility for CHIP: If your family meets certain income requirements, children you are trying to cover may qualify for the Children's Health Insurance Program.
    1. Do my children qualify for coverage under CHIP or the state's version of CHIP?
  1. Do you have pediatricians and family practitioners who know how to work with LGBT families and youth?
  2. Are there doctors in this plan experienced working with gender non-conforming (GNC) or gender variant youth?
  3. What kinds of medication or hormone therapy can young people access? Can this therapy be accessed with or without parental involvement?
    1. What kind of mental health "requirements" are necessary to access hormone blockers?
    2. What kind of dermatology drugs/regimens are covered for youth?
  4. Are there any providers experienced in working with intersex youth?
  5. Dental Coverage: While dental coverage is considered an essential benefit for children (not adults), it does not need to be included in the health insurance plans offered in the new state health insurance marketplaces. However, many companies offer stand-alone dental policies through the marketplace that you can purchase at the same time that you enroll in health insurance.
    1. Is pediatric dental part of this health plan? If not, how would pediatric coverage cost on this plan?
    2. Can I purchase a stand-alone dental policy?
  6. What counseling and support options are available to parents with LGBT children?
  7. What mental health services are available for LGBT youth?
    1. Are mental health services available for trans youth or GNC/gender variant youth?
    2. What suicide prevention counseling is in place?
  8. What confidentiality is in place for LGBT youth if they are covered on their parent's plan?
    1. Will I be notified if a minor on this health plan seeks certain services—like birth control, mental health counseling, abortion, or hormone-related therapy?
    2. How does billing happen? What services are outlined on bills?

Questions in red are ones that your navigators, assistance counselors, or insurance brokers may not be able to answer because this kind of information is not gathered consistently from healthcare providers. However, we included them because we know that these kinds of questions can make a critical difference in creating a trusted relationship with your healthcare provider.