The government provides health insurance benefits to many people. With plans for older citizens, those with disabilities, low-income, needy children and those denied coverage due to pre-existing conditions, the government offers a variety of solutions. Administration of some programs is at the federal level while others are state run. Healthcare.gov, a website run by the federal government, provides a search tool for people to match themselves to government health insurance options.
Medicare
Medicare is a federally sponsored health insurance for individuals over age 65, individuals with certain disabilities and individuals with end-stage kidney failure. Medicare plans offer two parts, A and B. Part A covers hospitalization, hospice services and certain nursing home and home health services. The payroll deductions you make while working pay for Medicare Part A. This means you will not pay a premium for this coverage. Part B does charge a premium to individuals for medical insurance. Part B covers routine health care, doctors' visits, therapies, medical supplies and outpatient services.
Medicaid
Medicaid is a state-sponsored health insurance program for those who are financially needy. Each state is responsible for managing its own Medicaid program. The eligibility requirements and application process are different for each state. For information about the plans available in your state, visit your state's department of insurance website or go to Benefits.gov and search for benefits by state. Premiums for Medicaid plans are typically on a sliding scale based upon your household income levels.
Children's Health Insurance Program
States offer children's health insurance plans for children who are not eligible for Medicaid but are uninsured through private or employer-sponsored health insurance. Financed by both federal and state dollars, administration of CHIP plans is at the state level. These plans over full insurance coverage from routine health care to hospitalization and surgery. The Children's Health Insurance Program Reauthorization Act of 2009 finances CHIP through 2013. CHIP plans are comprehensive, covering routine, preventive and emergency care and any other health care needs.
Pre-Existing Condition Insurance Plan
For those who cannot obtain private health insurance due to a pre-existing health condition, the government passed an act that mandates coverage. As part of the Affordable Care Act, passed in 2010, the Pre-Existing Condition Insurance Plan (PCIP) allows for health insurance coverage for those who have pre-existing health care conditions. About half of all states offer a high-risk pool health plan with coverage for those who have been denied by private insurers. In states without a plan, the PCIP is federally run. Healthcare.gov, a website run by the federal government, offers more information about the PCIP in your state.
Tags: health insurance, health care, your state, CHIP plans, Condition Insurance, Condition Insurance Plan
