Tips for single parents whose children lack health insurance

Although individual health insurance plans specifically for children can be difficult to find, they are available for children as young as 6 months old. Experts say these plans are an especially attractive option if your children spend significant time in places where your health plan might not have a network of doctors—for instance, if you're divorced or if your children spend lengthy summer vacations with relatives halfway across the country.

Before you rush into buying your children their own health plans, there are several factors to consider so you don't end up with a policy that omits needed coverage.

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Tips in Getting Health Insurance for a Child

One of the heaviest things weighing on the mind of any parent is the safety, well-being and health of their child. This is one of the reasons why getting health insurance for a child is becoming more popular every day. This is important because parents get to hit two birds with one stone. On one hand, they can feel more assured regarding the medical safety of their children and, on the other hand, they can also help cut down on the expenses incurred when their child needs medical attention. After all, medical treatment can be very expensive without the help of a good health insurance provider. Medical check-ups and treatments are a very common affair for many children, and parents will sleep better knowing that their children will have access to all the medical care that they need.

One of the biggest challenges a parent can encounter when looking for health insurance for a child is how to find an affordable plan. Many parents will want proper coverage that suits the needs of their children, but most are also working on a budget. Thus, a balance is needed where a plan can secure the future of a child's health while, at the same time, falling within the budget constraints of the average parent. Although finding a plan that works can be troublesome, it is far from impossible to accomplish.

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Tips On Child Life Insurance

Life Insurance policies for children are sold purely on emotion and not on true need. The advertisements and sales agents will use lines like "if you love your child..." you will protect them with a life insurance policy. They will also explain how inexpensive life insurance is for children. There are a couple of problems with this.

While the commercials and sales agents may appeal to your emotions, the financial facts are that a loss of a child will actually relieve you of a financial commitment. That's not trying to make light of the emotional devastation that comes with a death of a child for which nothing can compensate. The fact, however, when looking at it purely from a financial perspective is that a family will not have to spend as much money when they no longer have a child to care for. It cost less not having a child than having one.

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Child Trend 2011

2010 has been an interesting year for fashion. This is the year where the press criticized celebrity baby Suri Cruise for wearing expensive designer kid's clothing. This is the year where designer brands began to actively produce clothes for children-as there seems to be a market for expensive kid's clothing. This is the year where children and adults alike explored the potentials of fashion from another culture-with Japanese and Korean fashion being in the forefront of the kid's clothing and adult clothing fashion trends. And the year has not even ended!

So what can people expect for the year 2011? It's not too early to tell: after all, designers and clothing companies release their clothing lines early. The likes of Ducci and even lesser known brands such as Ouef Eco have already shown their 2011 designs, among many others. What prominent trends can be seen from these early kid's clothing releases?

Perhaps the most prominent trend to surge for the year 2011 is the theme of practical luxury or elegance for kid's clothing. Again, this is a trend that probably stemmed from the "Suri Cruise effect," wherein children want to wear designer clothes and parents want to dress their children in design brands. However, the clothing companies are gunning for something appropriate for kids despite its designer-luxury trappings. These designer kid's clothing items will be comfortable and will steer away from styles that are inappropriate for the toddler and pre-teen set.

Of course, don't expect these "practical luxuries" to be practically priced.

The eco-conscious theme will also become prominent in 2011, sipping its way from the adult runway to the kid's clothing industry. Expect kid's clothing pieces made from highly sustainable materials such as bamboo, organic cotton, and other similar fabrics. In short: frivolous is out, environmental trends are in.

Fashion pundits are already proclaiming the year 2011 as the year when the 80s rocker look returns. Expect this influence to become apparent in kid's clothing-or at least in teen and pre-teen clothing. Don't expect kid's clothing to incorporate the leather and the highly sexualized look of 80s rock, although many will see the disgruntled, mixed and matched styles that the 80s made popular.

Because of this, Japanese-inspired kid's clothing will become a bigger hit in 2011. This fashion aesthetic somewhat adheres to the concept of 80s fashion-clothes and accessories that shouldn't match but go well together anyway, the somewhat mature Victorian-inspired dresses, the exotic Lolita-styled dresses made innocent and child-like (and therefore safe yet cute).

For girl's fashion, expect dresses with flowing fabrics. This trend, which is more apparent in countries such as Australia and United Kingdom, is likely to be incorporated in kid's clothing-a far cry from the current trend of flesh showing for women's fashion. What not to expect in kid's clothing in 2011: velvet. Many fashion journalists are already seeing velvet as a major material in some of the biggest designs for next year-but it's unlikely that this material will enter the kid's clothing scene.

It goes without saying that the year 2011 is still several months away-anything can happen in the world of kid's clothing.

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