Statesponsored supplemental insurance

Most states have supplemental insurance programs for families with children who are living with chronic conditions. These programs often help cover services, prescriptions, and co-payments that your primary insurance will not. You can get more information on the specific programs in your state from your medical team or hospital social worker or by calling the state department that regulates insurance.

In Michigan, besides my husband's insurance, we also have what is called Children's Special Health Care Services (CSHCS). It is a secondary insurance that pays for what our primary insurance doesn't: Jake's co-pays and prescriptions, trips back and forth to the hospital, doctor appointment and prescription co-pays for my husband and me, our stay at the Ronald McDonald House. Any expenses related to treatment that our primary insurance won't cover, this will. The amount you pay for this coverage is based on family income. It has been a lifesaver for us.

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