The high cost of premiums and a slow economy is to blame for the rising rate of American's going without health insurance. The Census is reporting an all time high. Due to the rising cost many employers are dropping their employer sponsered plans.
If we want to change this number we need to make people aware of the government funded options. Many American's are eligible for these plans and don't even realize. One example is a growing family. Pregnant mothers and their families are often eligible.
We will cover the basic of the federally funded programs available to us. All of them have certain eligibility requirements that you must meet. With just the basics you can gather an idea and find the resources to find out if you or someone you know is eligible.
Medicare is most popular as the health insurance for the elderly. Covering those over 65. But, it is not limited to the elderly. It will also cover someone in the late satges of Renal Kidney Disease and some people with certain disabilities no matter their age.
You can contact your local Social Security office for more details on Medicare. you can fins out about Part A & Part B. Basically Part A is free and is the Hospital portion of the insurance. Part B is monthly fee that gives medical Insurance.
Medicaid is a federally funded health insurance program for low income individuals and their families. It is State administered, so each State sets forth guidelines for eligibility. You can visit your local Dept, of Human Services to find out if you meet their guidelines.
Childrens Health Insurance Plans or CHIP is a child only option. This federally funded program is also State administered. The program offers medical and dental benefits to qualifying children under the age of 18. The income standard is a bit less restrictive then the Medicaid plan.
Here you have seen the 3 basic options of programs offered by the government. If you do not meet eligibility requirements for these plans you can always seek an individual health insurance plan. Some are very expensive, but a few affordable options can be found.
If we want to change this number we need to make people aware of the government funded options. Many American's are eligible for these plans and don't even realize. One example is a growing family. Pregnant mothers and their families are often eligible.
We will cover the basic of the federally funded programs available to us. All of them have certain eligibility requirements that you must meet. With just the basics you can gather an idea and find the resources to find out if you or someone you know is eligible.
Medicare is most popular as the health insurance for the elderly. Covering those over 65. But, it is not limited to the elderly. It will also cover someone in the late satges of Renal Kidney Disease and some people with certain disabilities no matter their age.
You can contact your local Social Security office for more details on Medicare. you can fins out about Part A & Part B. Basically Part A is free and is the Hospital portion of the insurance. Part B is monthly fee that gives medical Insurance.
Medicaid is a federally funded health insurance program for low income individuals and their families. It is State administered, so each State sets forth guidelines for eligibility. You can visit your local Dept, of Human Services to find out if you meet their guidelines.
Childrens Health Insurance Plans or CHIP is a child only option. This federally funded program is also State administered. The program offers medical and dental benefits to qualifying children under the age of 18. The income standard is a bit less restrictive then the Medicaid plan.
Here you have seen the 3 basic options of programs offered by the government. If you do not meet eligibility requirements for these plans you can always seek an individual health insurance plan. Some are very expensive, but a few affordable options can be found.
About the Author:
If you need help finding a Government Health Plan let Broker Jeff Cline help you sift through the choices. If it is determined your not eligible he can help you find low cost Individual Health Insurance. Give his office a call. Someone is available to help you 24 hours a day, 7 days a week. Call toll free 866.526.9669
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