In PA, there is a program for children, that covers until 18 or 21. If you have private insurance, it becomes secondary, and covers all co-pays, or whatever your private doesn't. If you don't have insurance, it covers everything. As far as I was told, there are no income limits....we have yet to encounter them if there are. It's been fantastic for us. So far, in Alexa's 2 and a half years, I think the only thing we've paid for were the Bubbles masks. KAC1210, I don't know how close you guys are to PA, but if you're near the border, a move might be something to think about!