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. The ACA also ensures that young adults who have aged out of the foster care system can stay on Medicaid coverage until they turn age 26.

Children for whom you are seeking health cov­erage may qualify for Medicaid or the Children's Health Insurance Program (CHIP), both of which provide free or low-cost health coverage for children. Each state program has its own rules about who qualifies for Medicaid or CHIP. If your children qualify for either of these pro­grams, 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 Medicaid or Children’s Health Insurance Program?
  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.