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SolveYourProblem
Article Series:
Health Insurance
Are
Your Children Eligible for
Free or Low-cost Health Insurance?
Many people work very hard to provide the best life for their
children and for some reasons just don’t make enough money
to be able afford private or employer health benefits. It
is costly to take children to the doctor. Children
need more check ups and shots and are prone to more illness. These
costs can add up. Well, the good thing is that many working
families qualify for public assisted child health benefits
for a small fee or for free. Every state in America has a
health care program available for infants, children, and
teens whose parents cannot afford health care benefits and
qualify. This is not limited for people on welfare but also
for working families, as well. For little to no cost this
insurance pays for doctor visits, prescription medications,
hospitalizations, emergency attention, and plenty more.
The
children who have no insurance are most likely eligible
for this assistance, even if you are working. Most states have
their own eligibility rules but most families who earn less
than $35,000 per year, for a family of four are eligible. In
some cases of larger families or children with special needs,
the cap is higher. For those parents that cannot afford insurance,
a sick child is a devastating prospect both emotionally and
financially. This why this benefit is here and should be utilized
by all who are able. No child should have to go with out routine
medical necessities do to money. The Kids Come First Act is
also trying to help qualify more children to ensure that all
children get the medical attention they deserve. It is sad
to know that there are children who have not gotten all their
vaccines, children with asthma who cannot get their medications,
children who have not had a physical all because their parents
cannot afford to pay the doctor. Unlike an emergency room,
a private doctor does not have to see you if you cannot pay
at the time of your visit or before your next visit. There
are too many kids who have unmet medical needs, trouble accessing
health care, and most children don’t see a dentist annually
or at all.
Public
medical assistance programs can help parents provide
or get insurance for their children. This lessens the financial
burden on over all family medical expenses. Many employers
have free or extremely low medical benefits for the individual,
it is just the family plans that cost too much for the family.
Taking the burden off of the parents, they might be able to
afford medical coverage for themselves. Qualifying single parents
and families will apply in person at the local department of
human services. A worker will ask you to bring verification
of identification for you and your children, pay stubs for
the past 4-8 weeks or a letter from your employer with your
weekly wage, and fill out an application. The process does
not take too long and you will find out right there if you
are eligible or not.
Depending on what income
brackets you are in, you can be eligible
for several types of benefits. If you are in the lowest income
level but still employed, you as well as your children can
be eligible for medical assistance. You would probably have
very small co-pay for prescriptions and other medical services
but your children will not. The next level of care would include
only the children with or without co-pays and no benefits for
you. At the highest level, there will be a larger co-pay for
all services, but still only a few dollars per visit. For some
families who are just slightly over the wage cap, there are
series of secondary assistances that will help reduce the cost
of your children’s medical expenses. Most public medical assistance
also covers dental, eye exams, and other services recommended
by your pediatrician. If you are a low-income family, don’t
think you don’t qualify till you try. You might be pleasantly
surprised and have insurance for your children. Many people
just didn’t know that this program is not just for single parents
or those on TANF or food stamps. This programs to all families
who fall with in the states written guidelines. Click here to to view health insurance quotes, compare plans side-by-side and apply for the most affordable health insurance within your budget. I did this myself (June 17, 2011) to change my health insurance policy. Saved me $84 per month (or $1,008 per year). It's my SolveYourProblem recommendation.
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by SolveYourProblem.com
: 2006
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