Low Cost Health Insurance
In recent years, the availability and affordability of health insurance has been the subject of much debate. Many people feel there is already a national healthcare crisis in the United States, and while they may differ on exactly what to do about this crisis, almost all can agree that everyone needs and deserves basic health insurance coverage. With routine medical and emergency treatment costs continuing to soar, it is more important than ever for people to be able to find basic, quality low cost health insurance for themselves and their families. The following article will help clarify the questions you may have about low cost health insurance and will give you the facts you need to make a sound decision when choosing the policy that is right for you and your individual situation. It is important to find a trusted source for good, reliable information and thousands of people rely on HealthInsuranceUSA.com for just this reason.
Let's start by looking at some recent health care statistics, including those related to health insurance coverage. And remember that there are also health insurance options available, to people who qualify, for coverage at either a reduced cost or no cost at all. The people at HealthInsuranceUSA.com will be happy to assist you with finding out if you qualify for this type of coverage new technology
and they can also recommend to you where to get more information.
Each year, the U.S. Department of Health and Human Services, along with the Census Bureau and other agencies, conduct surveys in order to learn the numbers of people who are covered by insurance plans, whether they are individual or group plans. Here are some statistics (from 2007- the latest year available) which you may find interesting:
Nearly 46 million Americans, or 18% of the population under the age of 65, were without health insurance.
Almost 90 million people, or one-third of the population below age 65, spent a portion of 2007 without health coverage.
Young adults (18-24 years old) remained the least likely of any age group to have health insurance coverage- 28.1% had no coverage.
Nearly 40% of the uninsured
population resides in households that earn $50,000 or more annually. Many middle-income families can no longer afford health insurance even when coverage is offered by their employers.
Most individuals in the U.S. are covered by employer health insurance plans.
Nearly 18% of all children living in poverty do not have health insurance. This is compared to the overall rate of uninsured children living in the U.S. which is 10.7%.
This last statistic is especially alarming since there are many programs specifically aimed at providing low cost health insurance to children.
How to Apply for Low Cost Health Insurance
Applying for low cost health insurance is a very easy process. The steps weave closure piece
to apply for this coverage are very simple and can be done in a short amount of time. In most states, you have the option of either completing your application over the telephone or mailing it directly. While parents usually are not required to give their Social Security numbers when applying for their child/children's coverage, you will most likely need to have Social Security numbers for each child you wish to insure. You will also need to have verification of your family's income, information concerning any childcare costs you pay, and also any information related to previous health insurance coverage you carried on your child.
Congress has recognized that low cost and no cost health insurance is important for a variety of reasons. Regardless of age, race, ethnicity, income or health status, uninsured children are much less likely to receive well-visit checkups and immunizations. One study estimates that 50% of uninsured children don't receive well-visit checkups, almost twice the rate than those who were insured. This is turn contributes to uninsured children obtaining little or no preventative care and Health Care Tips
once a disease or problem is diagnosed, they receive less therapeutic care and the mortality rates are much higher. Statistics bear out the fact that children with health insurance live healthier lives, have less absentee days from school, and also perform better in school. It is vital to America's future that children of all ages, from birth on, are covered by affordable low cost or no cost health insurance. You may find more information regarding your eligibility for these programs at your state's website.
A Guide to Low Cost Health Insurance through Medicaid
Medicaid is the U.S. governmental health program for eligible individuals and families with low incomes and resources. If you are a U.S. National, buy cheap replica watches
Citizen, or Permanent Resident, you may qualify for this low cost health insurance under the Medicaid Program. This program is jointly funded by the states and the federal government and is managed by the states. Generally, individuals and families must have incomes at or near the poverty level to qualify for this assistance. Being poor, or even very poor, does not necessarily qualify an individual for Medicaid. It is estimated that nearly 60% of poor Americans are not covered by this government program. Because of the aging population, the fastest growing segment of Medicaid is nursing home coverage.
Required Health Care Services Provided through Medicaid
For the states to receive matching funds from the federal government, they are required to provide certain medical/health care services to the needy population. The assistance offered to these program recipients includes the following services:
- Nurse/midwife services
- Surgical and dental services
- Family planning services and supplies
- Laboratory services and X-rays
- Payment of physician services
- Inpatient and outpatient hospital services
- Nursing facility (NF) services for individuals aged 21 or older
- Home health care for persons who qualify for nursing facility services
- Pediatric and other services provided by Rolex Datejust Replica Watch family nurse practitioner
- Federally-qualified health center services and ambulatory services that otherwise covered under a state plan
- Rural health clinic services and other walk-in services that are otherwise covered under a state plan
Home or community-based care waiver services may be provided by the states to certain individuals who qualify for Medicaid. These services can include case management, respite care, home health aides, adult day health services and personal care services. You can find more information about this program at HealthInsuranceUSA.com.