Open enrollment is the time to evalutate your health insurnace options. That time has ended for the 2018 year. The new tax bill will end the mandate for enrolling for the affordable health care act but will not be implemented till 2019.
For low income families you can apply for medicaid which has no enrollment deadline and therefore is available to those who qualify anytime. Some states have expanded medicaid which covers all adults who meet the income requirements. Click Here to see if your State has this program.
Note: In all States: you can qualify for Medicaid based on income, household size, disability, family status, and other factors. Eligibility rules differ between states.
In states that have expanded Medicaid coverage: You can qualify based on your income alone.
How to apply for Medicaid Click Here
CHIP is a state program also which stands for Children Health Insurance Program
Chip provides low cost health coverage to children and families that earn too much money to qualify for Medicaid. In some states chip covers pregnant woman, each state offers The CHIP program
Here is what it covers, but again each State is different so check your states government website
Immunization
Doctors visits
Prescriptions
Dental & Vision care
inpatient and outpatient hospital care
Laboratory and E-ray service
Emergency Services
How to find low-cost health care in your community
If you cant afford any health plan offered on the market and dont qualify for coverage through Medicaid and the Children’s Health Insurnace Program (Chip), There are Health Centers Available paid by the Goverment
HRSA Health Centers care for you, even if you have no health insurance – you pay what you can afford based on your income. Health centers provide services that include checkups when you are well, treatment when you are sick, complete care when you are pregnant, and immunizations and checkups for your children. Some health centers also provide mental health, substance abuse, oral health, and/or vision services. Contact the health center organization directly to confirm the availability of specific services and to make an appointment.
Dental Care
What are your options in the market place
Know one thinks of this but see what Dental School , Orthodontic Schools are in your area, many of them offer low.no cost fees, or payment plan options
Students in Dental and Orthodontic Schools work on people in their community. Check your state to see if you have that option available
see if you live in one of the states that has a Dental School
Another choice you have is a supplemental Insurance coverages
Afflac is the most reconized name. The popular duck
Afflac’s best rates are offered through Groups or Business’s if your group has 3 or more people in it you could get the great rates. Some Companies offer Aflac to their employee’s, the employer can pay a portion for their employee’s.
Afflac sells more Cancer policies than any other company, Their Cancer policy is the # 1 selling policy and the story is the founder of Aflac died of Cancer and his sons and grandsons worked for years to make it # 1.
Other policies include
Accidental
Dental
vision
disability
Afflac is best known for its next day pay, make a claim get paid in 24 hours. Direct pay to you the customer the afflac policy holder.
Say you have no insurance and can not afford the market place insurance monthly premiums and dont qualify for Medicaid or Chip. This policy is affordable and pays you if something happens to your health, you have a accident, diagnosis of cancer the list of things that could happen are many and the payouts are able to keep you more financially secure in a bad situation.
for any questions on Afflac Click Here
Afflac now works in all lines of insurance coverages.
