I have no health insurance, what are my options?

Recognize the importance of health insurance coverage.

You can still get health insurance if you’re uninsured or underinsured. Hospitals that receive federal subsidies are expected to provide a certain amount of free or reduced-cost services. To see if you qualify for discounted or free treatment, contact the hospital’s financial help department.

To get started, meet with a hospital caseworker to get the information you need and apply for Medicare, Medicaid, and Social Security.

They are available to assist you in arranging your family member’s care.

Health Insurance Marketplace

A Healthcare Insurance Marketplace is defined as a new way to get inexpensive health insurance. It can be helpful if you don’t have insurance or if you have but want to learn more about your options. You may search for lower-cost coverage options based on your income, compare existing coverage options, and enroll using a single Marketplace application. All Americans must search for the best insurance coverage that suits their specific needs and budget on numerous websites (or by phone) under the rules of the health reform law.

Depending on an individual’s income, the Marketplace coverage options may or may not be better than what an individual’s employer now offers.

The Marketplaces will, of course, give uninsured people alternatives they may not have had previously. You will be able to access the Marketplace in your state via a website administered by either the state or federal governments, depending on where you reside (located). Healthcare.gov will direct you to the Marketplace in your state with relative ease. It is, without a doubt, the best location to start.

The Marketplace website will ask you some basic questions about your income, family size, and location and provide you with a summary of the insurance options (both public & private) for which you are eligible. However, you will eventually have to decide based on your requirements, your family’s needs, and your budget.

What do you do first?

Healthcare.gov will direct you to the Marketplace in your state with relative ease. It is, without a doubt, the best location to start.

Before offering you a summary of the insurance alternatives (both private & public) under which you are qualified, the Marketplace site will ask you some basic questions about the income, family size, or where you reside, among other things. You will, however, have to make decisions based on your wants, the demands of this group, and your budget.

Medicaid

Medicaid is a government-funded program that helps low-income children and adults under 65. Patients are usually not liable for any amount of the cost of authorized medical bills; however, they may be required to make a small co-payment. Because each state has its unique set of eligibility and service standards, you should call your local Medicaid office right away. Contact the proper benefit departments to schedule any necessary appointments or interviews to expedite the process. Keep track of any deadlines or important papers you may be expected to provide, as well as everyone you speak with.

If you’re not sure if you qualify, apply and have your application examined by a caseworker and a legal aid office before submitting it. Under the Affordable Care Act, all states were given the option of extending their Medicaid programs (ACA). At the time, 28 states have expanded their programs’ scope. Call the Centers for Medicare & Medicaid Services (CMS) at 1-877-267-2323 or go to www.medicaid.gov to learn more about your state’s Medicaid program.

Medicare

Medicare is a federal healthcare program that covers the following people:

  • Over the age of 65 years old (whatever their income)
  • Medicare members use deductibles to cover a percentage of hospital and other costs.
  • People under the age of 65 are disabled and have had at least 24 months of Ssdi coverage.
  • Non-hospital coverage is inexpensive every month.

The following are essential factors to note if you are a Medicare beneficiary:

  • Because Medicare is not included in the Health Insurance Marketplace, you do not need to take action if Medicare will presently cover you.
  • This is the time for all Medicare beneficiaries to change their health plans, including prescription pharmaceutical coverage.
  • To understand how to make such changes, go to medicare.gov or contact 1-800-MEDICARE.
  • The good news is that if you already have Medicare, the ACA will have no impact on your options or benefits.
  • According to the Center for Medicare & Medicaid Services (CMS), you will continue to get the same benefits and security regardless of how you obtain Medicare, whether via Original Medicare or even a Medicare Advantage Plan.
  • It’s worth noting that the Marketplace doesn’t sell Medicare supplement insurance (Medigap) or Part D prescription drug coverage.

Call 1-800-MEDICARE for more information about Medicare, including tools to help you compare coverage options and pricing, verify your current enrollment status, and enroll in coverage.

Children’s Health-Insurance Program

Individuals under the age of eighteen may be eligible for coverage under their government’s Children’s Health Insurance Plan (CHIP).

Around 8 million students are covered by CHIP because their parents earn too much to qualify for Medicaid but not enough to purchase private insurance. Each state determines eligibility based on income or disability. The CHIP, as well as the SCHIP program in each state, may have a distinct name. t’s important to know that your kid can qualify for SCHIP coverage even if Medicaid is denied.

Some Supplemental Security Income disability payments may be available to children. Furthermore, the Affordable Care Act allows many young people to continue covered by their parent’s health insurance until they reach the age of 26.

Resources

Our information specialists are available toll-free Monday through Friday from 9 a.m. to 8 p.m. ET if you need further insurance information or have a specific issue. In addition, the Reeve Society has brochures on social security, Medicare, and Medicaid, as well as access to other Reeve Foundation resources. Consult our library of fact sheets on a wide range of topics, from public funding to paralysis-related issues.

For more information, please get in touch with the organizations listed below:

  • The Centers for Medicaid and Medicare Services is a division of the Department of Health and Human Services (HHS).
  • Uninsured children whose parents earn enough to qualify for aid but not enough to afford private care are covered through CHIP.
  • The government’s official website for public access to disability resources is Disability.gov. The federal government created it to serve as a single online resource for information and activities relating to disabilities.
  • Individuals seeking Social Security or Supplemental Security Income payments are represented by the National Group of Social Security Claimants’ Representatives (NOSSCR).

Social Security Disability Benefits. The information technology program is one of the major federal programs to help people with disabilities.

Pin It on Pinterest