While consumers search for affordable health insurance, they have a price in their mind as the top priority. A general conception among the consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target. However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required coverage results only in wastage of money. With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least, this is what is believed to be the objective of healthcare reforms. However, lots of consumers are still in confusion about how things would work. This article will discuss some detailed options that consumers can try while looking to buy affordable health plans.
To get a hand on affordable health insurance plans, consumers need to take of certain things. First among them is about knowing the options in the particular state of the residence. There are lots of state and federal government-run programs that could be suitable for consumers. Knowing the options is pretty important. Next would be to understand the terms and conditions of all the programs and check the eligibility criteria for each one of them. Further, consumers should know their rights after implementing healthcare reforms. Within a few days, they may qualify for a particular program or could be allowed to avail themselves of a particular health insurance plan. If consumers take these steps, there is no reason why they can’t land on an affordable health plan that could cater to their medical care needs.
Let’s discuss some options related to affordable health insurance plans state-wise:
State-run affordable health insurance programs in California
While considering California, there are three affordable health insurance plans that the state government runs. Consumers can surely get benefitted from these if they are eligible for the benefits.
• Major Risk Medical Insurance Program (MRMIP)
This program is a convenient one offering limited health benefits to California residents. If consumers cannot purchase health plans due to a preexisting medical condition, they can see if they qualify for this program and get benefits.
• Healthy Families Program
Healthy Families Program offers Californians low-cost health, dental, and vision coverage. This is mainly geared to children whose parents earn too much to qualify for public assistance. MRMIP administers this program.
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• Access for Infants and Mothers Program (AIM)
Access for Infants and Mothers Program provides prenatal and preventive care for pregnant women having low income in California. It is administered by a five-person board that has established a comprehensive benefits package that includes both inpatient and outpatient care for program enrollees.
Some facts about affordable health insurance in Florida
While talking about affordable health insurance options in Florida, consumers can think about below-mentioned options:
• Floridians who lost employer’s group health insurance may qualify for COBRA continuation coverage in Florida. At the same time, Floridians, who lost group health insurance due to involuntary termination of employment occurring between September 1, 2008, and December 31, 2009, may qualify for a federal tax credit. This credit helps in paying COBRA or state continuation coverage premiums for up to nine months.
• Floridians who have been uninsured for 6 months may be eligible to buy a limited health benefit plan through Cover Florida.
• Florida Medicaid program can be tried by Floridians having low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.
• Florida KidCare program can help Floridian children under the age of 19 years and not eligible for Medicaid and are currently uninsured or underinsured.
• A federal tax credit to help pay for new health coverage to Floridians who lost their health coverage but are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC). At the same time, Floridians who are retirees and are aged 55-65 and are receiving pension benefits from Pension Benefit Guarantee Corporation (PBGC) may qualify for the HCTC.
Some facts about affordable health insurance in Virginia
While talking about affordable health insurance options in Virginia, consumers need to consider their rights:
• Virginians who lost their employer’s group health insurance may apply for COBRA or state continuation coverage in Virginia.
• Virginians must note that they have the right to buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.
• Virginia Medicaid program helps Virginians with low or modest household income qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and elderly and disabled individuals are helped.
• Family Access to Medical Insurance Security (FAMIS) helps Virginian children under the age of 18 years having no health insurance.
• In Virginia, the Every Woman’s Life Program offers free breast and cervical cancer screening. If women are diagnosed with cancer, they may be eligible for treatment through the Virginia Medicaid Program through this program.
Some facts about affordable health insurance in Texas
While talking about affordable health insurance options in Texas, consumers need to consider their rights:
• Texans who have group insurance in Texas cannot be denied or limited in coverage, nor can they be required to pay more because of their health status. Further, Texans having group health insurance can’t have exclusion of pre-existing conditions.
• In Texas, insurers cannot drop Texans off coverage when they get sick. At the same time, Texans who lost their group health insurance but are HIPAA eligible may apply for COBRA or state continuation coverage in Texas.
• Texas Medicaid program helps Texans with low or modest household income qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, elderly and disabled individuals are helped. At the same time, if a woman is diagnosed with breast or cervical cancer, she may be eligible for medical care through Medicaid.
• The Texas Children’s Health Insurance Program (CHIP) offers subsidized health coverage for certain uninsured children. Further, children in Texas can stay in their parent’s health insurance policy as dependents until 26 years. The healthcare reforms have implemented this clause.