If you cannot get insurance through an employer, then you may want to search for insurance plans on the open market. You can find private insurance plans in the following ways:  By contacting insurance providers directly. In many areas, there are only a few health insurance plans available. Ask nearby hospitals and clinics which types of insurance they accept and contact those companies. Through an insurance agent. Look for insurance agents in your area that represent a number of insurance companies rather than just one. With comparison sites on the Internet. Websites such as eHealthInsurance and NetQuote allow you to comparison shop.  These sites take your information and pull up all of the health insurance plans available in your area. There are several different elements that make up the total cost of health care. When comparing health insurance plans, you should pay attention to each.  Premiums. A premium is simply the monthly payment made to the insurance company to keep the policy active. Coinsurance. Coinsurance is the amount that you pay for any service (in addition to the deductible). A more natural way to think of it is the amount of any medical bill that your insurance company will pay. For example, many plans have 80/20 coinsurance rates. This means that the company will pick up 80% of the costs after your deductible has been met. Deductibles. A deductible is the out-of-pocket charge that you must pay before some other part of the health insurance will kick in. Typically, deductibles must be met before the insurance company pays coinsurance. Deductibles may not apply to all services.  Co-pay. A co-pay is a fixed flat fee that a consumer pays when receiving a medical service. For example, you may have to pay $25 for each doctor’s visit. The amount may vary depending on the service. To find a cost-effective plan, you should consider your health care needs. Families will have different needs compared to single individuals, and healthy young people can anticipate needing a different level of service than elderly people. To assess what kind of plan you need, consider the following:  The number of visits you make in a year to the doctor or specialist. Whether you have had hospital stays or anticipate hospital stays in the future. If anyone in the family has a chronic illness. Whether the plan covers your doctors. Whether you or family members have jobs or hobbies that are risky. Whether you want brand name prescription drugs or generics. To increase coverage on an individual plan, see if the insurance company offers riders, which will provide coverage for a specific situation at an increased cost. For example, if you were enrolled in an individual plan that does not provide dental care, then you might be able to get a rider for a root canal for an extra fee each month. After deciding which hospitals near you accept which carriers, choose a health insurance plan that works for you. Nowadays, the most efficient and easy way to sign up is online. In your online application, you may need to submit information pertaining to:  Your previous insurance plan Your medical history, including any prescriptions or medications you may take Any previous plans or past doctors Under the Affordable Care Act, a child under the age of 26 may join their parent's health insurance plan if that plan covers children. You may join your parents' plan even if you are:  Married Not living with your parents Enrolled in school Financially independent Eligible to enroll in an employer's plan

Summary: Search for insurance. Compare costs. Assess your health care needs. Check if “riders” are available. Apply. Find out if you can join your parents' insurance plan.


An unfortunate thing about bedwetting is the shame and embarrassment that this causes mature children. Remind your child to go to the bathroom immediately before they go to bed. Limit late night fluid intake. Usually no fluid intake within 3 hours prior to bedtime.  If your child goes to bed several hours earlier than you do, it is often helpful to wake them up for a bathroom visit before you go to bed. Avoid giving them chocolate or drinks that contain caffeine as they can increase the the urine output. Consider getting a device that sounds when the sheets start becoming wet. Bed-wetting alarms that will wake the bed-wetter the moment they start to urinate. It is advisable to protect the mattress with a rubber pad in case the alarm fails to wake them in time. Bed Wetting alarms are more successful than medical therapies. Praise the child for staying dry.  Never shame or punish them for wetting their bed.  Consider getting a calendar and noting every dry night.  The child is then rewarded for an agreed upon number of dry nights.  If he has a relapse, you simply restart the count. This is always done in a matter of fact fashion.  Your child is absolutely not doing this on purpose, and introducing shame and hurt into this situation certainly does not hasten the resolution process nor does it enhance the parent-child relationship. Confide in the child the fact that you were also a bed wetter, if in fact you were. Explain that it might be hereditary, so that it will make him feel less guilty and less ashamed of himself. If you feel the problem is large enough and the person in question is over 5 years old, ask your doctor about apo-desmopressin. This is a drug that reduces the amount of urine produced. Find out all you can about this and its side effects. Desmopressin is a potent hormone that prevents the kidney from making urine.  Enuresis typically recurs when Desmopressin is stopped.  Desmopressin is primarily useful when your child must remain dry for a short period of time - class trip, camping trip, overnight stay with friends, etc.

Summary: Recognize that in most cases bedwetting is something that a child must simply grow out of. Try to limit the bed-wetting. Support your children. Speak to your pediatrician.


They love you very much and want to look after you. They can answer many of your questions and help you through your challenges.  Ask them about Down Syndrome. You can show them this article if you want to! People with Down Syndrome can be fantastic helpers and great friends. Be nice to your friends and to other people you know, and help people when they are having a hard time. These will teach you many important life skills. If you work hard, you'll be able to learn a lot and be prepared for being an adult someday. Between school, therapy, and other stuff, life can get very busy! It's important to take time to relax each day, so that you don't feel too stressed. Taking good care of yourself is an important part of living well.  Keeping a balanced life is important. Working hard is good, but not if it stresses you out a lot. Talk to someone if this is becoming a problem. It's important to have people in your life who support you. Choose someone who is a good listener and a good helper, and talk to them when you have problems. Bullying is a big problem, and if you are being bullied, you deserve help! Your family and teachers care about you, and they want to help you if something bad happens to you. You are not being a burden by speaking up.  If someone else is being bullied, talk to an adult about what is going on. The adult can help them. You can also help by being kind and being their friend. Adults can be bullies too. If a grown-up is hurting you or making you upset, that is wrong, and you don't deserve that. Remember, "I'm okay, they're mean." Think about people who make you laugh and smile—people who make you feel happier when you hang out with them. These people are great friends.
Summary: Tell your parents and guardians about any worries. Be kind to other people. Work hard in school and therapy. Give yourself plenty of time to relax. Talk to somebody when you're having a hard time. Do not keep bullying a secret. Be with people who make you happy.