While consumers search for affordable health insurance, they have a price as the top priority. A general conception among consumers is that cheap health plans should not be costly. The most affordable health plan available in the market is their target. However, this approach is not good. Sometimes, paying for an affordable health insurance plan but still not getting the required coverage level results in a waste 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 must take of certain things. The 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.
Further, consumers should know their rights after the implementation of healthcare reforms. Within a few days, they may qualify for a particular program or be allowed to avail of a specific 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:
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State-run affordable health insurance programs in California
While considering California, three affordable health insurance plans are run by the state government. Consumers can benefit 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.
• Access for Infants and Mothers Program (AIM)
Access for Infants and Mothers Program provides prenatal and preventive care for pregnant women with low income in California. It is administered by a five-person board that has established a comprehensive benefits package that includes 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 the below-mentioned options:
• Floridians who lost their 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 between September 1, 2008, and December 31, 2009, may qualify for a federal tax credit. This credit helps pay COBRA or state continuation coverage premiums for up to nine months.
• Floridians who have been uninsured for six months may be eligible to buy a limited health benefit plan through Cover Florida.
• The Florida Medicaid program can be tried by Floridians having a low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.
• The Florida KidCare program can help Floridian children under the age of 19 years and not eligible for Medicaid and 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). Simultaneously, 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 can buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.
• Virginia Medicaid program helps Virginians having 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 18 years without health insurance.
• In Virginia, the Every Woman’s Life Program offers free breast and cervical cancer screening. Through this program, if women are diagnosed with cancer, they may be eligible for treatment through the Virginia Medicaid 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 with group insurance in Texas cannot be denied or limited in terms of coverage, nor can they be required to pay more because of their health status. Further, Texans having group health insurance can’t have an exclusion of preexisting conditions.
• In Texas, insurers cannot drop Texans from 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.
• The Texas Medicaid program helps Texans with low or modest household incomes qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and 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 on their parent’s health insurance policy as dependents until they are 26 years old. The healthcare reforms have implemented this clause.
• The Texas Breast and Cervical Cancer Control program offers free cancer screening for qualified residents. If a woman is diagnosed with breast or cervical cancer through this program, she may qualify for medical care through Medicaid.