In the US, reading the statistics of Americans without health insurance is surprising. According to the Huffington Post, in this 2012, nearly 50 million Americans are living without health insurance. This is different from years ago. and why this happens? This is because there are many Americans today who are unemployed or unable to find stable jobs that can allow them the luxury of paying for their health insurance. In some families, paying the rent on the house is even a problem. So, is it still possible to guarantee health insurance for low-income families and individuals in the midst of the crisis? Yes, it is still possible according to experts. We just need to know where to find him.
Health insurance for low-income people is really out there. Unfortunately, some of us only know a few of them, while other people don’t know how to play them well. But as we said, those features are already here. So, in this article, we’ve rounded up the most possible sources that we can use to get almost the same benefits that low-premium insurance plans can provide.
Below are the best possible options in lieu of securing health insurance for low-income people.
SNAKE. This is the Omnibus Consolidated Budget Reconciliation Law. If you are unemployed, you can try to apply for COBRA, and if you are eligible, you can continue your health insurance from your previous companies through this process. This is better than finding a new health insurance plan, but there is a possibility that you will pay a higher premium for it.
Workers’ compensation. If you are employed and your job is risky, ask your employer if you are under a workers’ compensation program. You may get injury compensation if you are injured while on the job.
Medicaid. Even if you are employed, it is best to apply for Medicaid, especially if you belong to the low-income bracket. Medicaid can help you pay for your health care expenses, or part of them, if you can’t afford them. Medicaid exists through a federal and state partnership and is designed to help low-income, disabled and elderly families with their medical expenses. You can also enroll your family in Medicaid because this is an opportunity your state offers to those who cannot afford regular health insurance plans.
Medicare. This is an option that comes from the government and is being managed by the Social Security administration. If you’re unemployed or don’t have a regular job and have a family, you can try to enroll yourself and your family in Medicare, especially if you’re getting Social Security benefits. For those who are sixty-five or older, they are more eligible to participate in Medicare programs.
State High Risk State Insurance Groups. We all have health problems at times, and unfortunately, when we have pre-existing medical conditions, we are often denied coverage by health insurance companies. If you are denied such a privilege and do not qualify for COBRA while obtaining health insurance for low-income individuals can also be an issue, you can rely on high-risk state insurance pools. You can ask administrators in your city or community hospitals where you can apply for this option. You can still pay the premium for the plan, but at least this can account for your medical cost, even if you have pre-existing health conditions.
Short-term health insurance coverage. This is a suitable option for low-income individuals who do not have regular jobs or are just starting to work in their new jobs. This is very similar to individual insurance policies, but with this option you will only be covered for a short period of time. You only pay a low premium with this one, and while you’re at it, you can find time examining the viability of this insurance company if this is the right choice for your long-term insurance coverage.
Group Health Insurance. If you are a member of an organization and do not have health insurance, you can encourage your group to apply for group insurance. With this type of insurance, you can choose from several insurance options on how you want to be covered. The good thing about being insured in a group is that you pay lower rates because your premium is spread out among your members. You may not get huge benefits like what individual insurance plans can provide, but at least you are also protected and have something to rely on. If you don’t have a group, you can also look for organizations online that accept individuals for their group health insurance.
Sharing Health Expenses in Group. Basically, this is not a type of health insurance for low-income people, but it is a logical option for anyone who wants financial support during a medical crisis. This system works in