Kids in care are often afraid and embarrassed to discuss work with adults. It’s a natural instinct for kids to feel uncomfortable around adults they don’t know, and there’s nothing wrong with that. But when your child has been rejected or cut off from services or benefits by Florida Kidcare or one of its contracted providers, it’s crucial to take immediate action. Even if you’ve been told your child can wait, the end of the road is not near and you may have to fight for more. Contact CLS MF for legal guidance now.


A child needs two things: health insurance coverage and a primary care provider. If either is not available through your current kidcare plan, contact CLS MF immediately to find out what your options are. If your kidcare program denies coverage for either of those things, there may be a good reason. Either one of them can be the starting point of a journey toward a successful transition into adulthood.

There are many reasons that kidcare coverage and hospital stays may be limited. The most common is age: Kids don’t become mentally or physically mature until they’re at least four years old, so most child care providers try to keep the oldest children in their system as young as possible. This means waiting until the very youngest children get their first doctor visits. If you have more than one kid in the system, this can add up to very large bills. Even a simple waiting period can eat into your family size, reducing the number of visits you can have scheduled each month.

Another possible cause is family income. Florida kidcare programs often have income limits that reduce your overall payment amount. For example, if your family income is over $40k per year, your payment might be less than it would be under traditional guidelines. Talk to your kidcare provider to find out what your particular situation is, but in most cases this will involve a reduction in the number of services provided as well as the cost of those services. You should always talk to an authorized representative from the company before agreeing to any type of payment plan, whether it’s based on income or other criteria.

Some folks might qualify for more benefits than others. If your family income is over the federal poverty level (which varies by state) or if your kidcare provider qualifies for Medicaid, you could be eligible for additional financial help. Generally speaking, there’s a set period in which you must be in the appropriate family income or Medicaid eligibility group to be considered for these types of assistance. Speak to an authorized kidcare provider to find out exactly how long you’ll need to stay in this classification before qualifying.

Other folks might qualify for different levels of government assistance. For instance, if your kidcare is part of a managed care plan offered by your employer, your childcare expenses will likely be included in the employee’s HSA or Health Savings Account. Your kidcare bill will be financed by the money within this account, not your individual income tax refund. If you’re ineligible for Medicaid or are in the appropriate income group, you may also want to consider a state child welfare program (CHP).

On the surface, both of these options appear to be very similar. However, there are a few differences that can have an effect on whether or not you qualify for either of them. For one thing, kidcare programs that are partially or fully funded by the state are usually less generous than programs that aren’t partially or wholly funded. Secondly, although many kids qualify for Medicaid, not everyone who would be eligible for this benefit will qualify for subsidized child care through their work’s parents. Even if your kidcare is partly or wholly funded by Medicaid, and some of your employees qualify for Medicaid, you may not be able to deduct the portion of your kidcare premiums that relate to your employee’s coverage.

If you don’t have health insurance, or if you are unsure if you will qualify for Medicaid or Medicare, it is worth your time to look into either of these options. However, for most families, the most affordable option is either a CHP or a managed care plan. A CHP is basically an extended health care plan that pays a monthly premium while your kid is covered under your parent’s health care plan. A managed care plan is essentially a customized health care plan for your family. The insurer pools lots of health care costs together, and offers affordable coverage to your family at a low monthly premium. Because managed care plans are standardized across the board, they tend to be more expensive than kidcare plans that are less standardized.