Low Income Health Insurance (2)

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Low Income Well being Insurance Eligibility

Health insurance cost is becoming a bigger and larger issue in the United States.
These days, there has been a lot of push coverage about the growing cost of health insurance. Wellness insurance is like gasoline – no matter how expensive that gets, it’s still absolutely essential. There are those who have challenge with paying for health insurance, unfortunately. What are their options
Every state features a low income well being insurance program. Each legislation carries different rules for qualification. Generally, the state’s Department of Family Services office can assist individuals with qualification guidelines for low income health insurance.
The low income wellness insurance application process is fairly easy. Potential enrollees need to fill out an application and provide evidence of income and monetary status. Low earnings health insurance programs can cover everything from er visits to mammograms in order to prescription medication. Coverage can be obtained for all family members. Many employers do not offer you health coverage to their workers. Low income well being insurance through the state could be a viable alternative, as it costs nothing. Some might dread the application process, fearing that training course denial is unavoidable. However, they don’t recognize that many felt exactly the same way, only to find that they would qualify.
In New York, for example, you might qualify for low income well being insurance if you have high health-related bills, receive SSI (Additional Security Income), or perhaps meet certain suggestions for income, age group, or disability.
To get low income health insurance, you should bring:
1. Evidence of age, such as a birth certificate
2. Proof of United States citizenship or immigration status
3. Latest paystubs, if employed
4. Proof other income, including Social Security, SSI, Veteran’s Advantages (VA), pension, or another retirement income
5. Proof of residency, such as a property owner statement or rent receipt
6. Insurance benefit charge cards, if currently protected by health insurance
7. and a Medicare Benefit Card, if applicable.
If you already buy health or Medicare health insurance coverage, or if you have the option of obtaining such coverage but can’t afford payments, then a low income health insurance system might be able to help pay the actual premiums. Even if you’re not eligible for low revenue health insurance, you might still meet the criteria to have medical insurance monthly premiums paid for in the event of job loss or a reduction in work hours. Assistance with payment of COBRA premiums is also possible.
Your local area determines your eligibility for low income well being insurance. In general, they must alert you in writing inside 45 days of program whether you’ve been approved or denied. If you are currently pregnant, or are applying on behalf of your young ones, the time to notify an individual goes down to Thirty days. If you have a disability, you might need to have the nearby district evaluate the incapacity and can delay the process up to 90 days. If you’re denied for reduced income health insurance, many jurisdictions have an appeals process.

Comments: 25

  1. Felecia April 26, 2013 at 12:57 pm Reply

    I was diagnosed when I was about 13. They wanted me to just not eat a lot of sugery foods before noon. It controlled it fine, but now I’m 30 and I’ve been having serious problems. Not with passing out like I did at 13, but with feeling bad, losing my temper when I’m hungry and feeling tired. I don’t have health insurance so I can’t get checked out. I haven’t had health insurance since 18years old and haven’t been seen since I was 13. Any help and advice would be greatly appreciated.

    By the way, I’ve had 3 kids and didn’t experience any problems while I was pregnant. My youngest is almost 2 years old and the past month have started feeling bad.

  2. Roger May 23, 2013 at 7:14 pm Reply

    I heard in a lot of debate about illegal immigrants and how they care free services such as health care. I became a U.S citizen two years ago and I’ve been trying to find cheaper and quality health care, but I couldn’t. I researched free health care online, but can’t find it. I don’t have health insurance, so whenever I visit the doctor, I either pay upfront if it’s about $200 or they send me the bills if its way higher. So how are illegal immigrants getting free health care?

  3. Bruno June 5, 2013 at 6:52 am Reply

    I mean like a $5,000-$10,000 deductible or higher. I have a lot of savings but I’m going to have a part-time job for a little while. I’d like to just pay $100-200 a month or lower for health insurance. Or as low a premium as possible.

  4. Nicolas June 5, 2013 at 6:52 am Reply

    I’m pregnant and it’s become so difficult for me to find health insurance to cover me. I live in Texas and I’m 2 months along. Can anyone give me names please.

  5. Franchesca June 5, 2013 at 6:52 am Reply

    My bf is currently paying out of his check $70 a week for ins and dental, Blue Cross. This includes him and our son. But we barely are making our bills right now. There has got to be another health ins company that Drs will take that is affordable. Please help 😉

  6. Porsche June 5, 2013 at 6:53 am Reply

    My children are on state funded health insurance, but my husband and I are uninsured. He is a full-time student and I work 2 part-time jobs. Neither of my jobs offer me health insurance because the companies are small. I’ve looked into student health insurance, but it’s REALLY expensive. Doesn’t Obamacare allow for insurance options for low-income families? Or do we have to wait until he graduates and gets a job to be able to get health insurance???
    EDIT: Thank 2013 for paying for my children’s health insurance. If you didn’t notice, I said that my husband is a full-time student. Our situation is TEMPORARY… the way government assistance should be. Eventually he will graduate with a degree in industrial engineering and will make enough money to be able to provide for his family. In fact, he already has a job lined up. He will in turn pay plenty of taxes to pay back into the system from which we have benefitted.

  7. Sarita July 3, 2013 at 7:07 pm Reply

    If I don’t want to be forced to buy government health insurance, and think it is totally unconstitutional to fine me 2.5% of my income because of that, why do Liberal Democrats attack me by assuming I don’t have the money to pay for the good and proper maintenance of my health? The fact that they automatically assume this says much about where their own finances are. Doesn’t it?

  8. Alise October 10, 2013 at 4:07 pm Reply

    Is an HSA better than regular health insurance? Is it really true that the company that I work for and me save money with HSAs?

  9. Cory October 12, 2013 at 4:52 pm Reply

    Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?

  10. Blaine December 1, 2013 at 7:47 am Reply

    my kids father had a stroke two days ago and i am trying to help him find health insurance. he is having a hard time getting any insurance because he is unemployed and receives unemployment payments but they won’t see him at the clinic because he has too many assets. He owns a trailer and has two cars. If any one can help i really would appreciate it. He also has high blood pressure, high colesterol, and diabetes. He had a stroke because he couldn’t afford to buy his medications for his high blood pressure and colesterol.please help . i dont want anything bad to happen to him.

  11. Terrance December 23, 2013 at 7:07 am Reply

    Hi,

    I work for a company that pays me fringe benefits in my check. What this means is that I have to pay for my own life and Health insurance.

    Can I deduct the premiums when I file my taxes?

    Thanks in advance for any help.

  12. Joycelyn December 23, 2013 at 7:10 am Reply

    It’s claimed that to require one to carry health insurance is unconstitutional, as the law can’t regulate inactivity (NOT doing it). Yet we are required to carry at least liability for vehicles! Explain, please!

  13. Shelley December 29, 2013 at 8:49 am Reply

    What information is shown to the subscriber of health insurance?
    I am under my parent’s insurance and need to go to the doctor for personal reasons that I do not want them to see. Will it show specific information like what was done and what prescriptions I got, or just general information like office visit and Rx?

  14. Roberto January 19, 2014 at 11:44 pm Reply

    For example, suppose you had a million dollars in capital gains, and no other income, but also had capital loss rollovers of more than a million. Are there any states or government agencies that would consider your income to be a million dollars instead of zero? So you might not qualify for means-tested government benefits such as children’s health insurance?

  15. Agustin February 1, 2014 at 11:47 pm Reply

    Obama is taking 2nd look at tax on benefits

    The Obama administration is signaling to Congress that the president could support taxing some employee health benefits, as several influential lawmakers and many economists favor, to help pay for an overhaul of the health care system.

    The proposal is politically dicey for President Obama, however, since it is similar to one he denounced in the presidential campaign as “the largest middle-class tax increase in history.” Most Americans with insurance get it from their employers, and taxing the benefit is strongly opposed by union leaders and some businesses.

    In millions of dollars worth of television advertisements last fall, Obama criticized his Republican rival for the presidency, Sen. John McCain of Arizona, for proposing to tax employer-provided health benefits. The benefits have long been tax-free, regardless of how generous they are or how much an employee earns.

    http://www.startribune.com/nation/41261832.html?elr=KArksLckD8EQDUoaEyqyP4O:DW3ckUiD3aPc:_Yyc:aUUsZ
    “Don’t pay any attention to what the Star Tribune says. McCain was the one one who wanted to tax health care benefits.”

    So the Star Tribune article tells me. But you tell me not to pay any attention to what the Star Tribune says.
    By the way, McCain lost the election. So what he wanted to do is not relevant. The man who is in the White House now is relevant. So if you have a problem with McCain doing it, surely you have a problem with Obama doing it?

  16. Melita February 21, 2014 at 11:08 am Reply

    I am 23, married, and 5 months pregnant.

    Both myself and my husband are on our parent’s insurance thanks to Obamacare. However, while we can be on their policy until 26, our children will not be covered.

    Currently, we are not eligable for any government aide – no WIC, food stamps or medicaid. Once our family is 3 instead of 2, we will be eligable for subsidized medicaid at least- where we would pay something every month ($15-30) and our child will be covered.

    But what do i do from when the baby is born until we get approved? Will I have to pay for it’s hospital stay out of pocket? Does a newborn count as an extension of the mother for 30 days (i read something that seemed to say so- but dunno if thats includes being on a parent’s insurance.) Can we purchase an insurance policy for an unborn child?

    My husband will be 26 about 2 months after the baby is born. If he would have his own insurance at our child’s birth (single person policy that we would purchase) would we be able to add the baby to his policy so that the hospital stay and early dr visits are covered?

    TIA for any help on this matter!!
    Thanks.
    Thank G-d the baby looks healthy as of the ultrasound last week. we would be eligable for medicaide/welfare- at least a subsidized one for the baby.

    I know when an adult applies (at least in IL where i live) they can get reimbursed for up to 3 months out of pocket medical expenses. do you think that would work with a newborn as well?

    Also, does anyone know if the welfare eligability income limit for a family of 2 is higher if the wife is expecting? because then i may be eligable in order to apply and get on as a secondary insurance (I had that before I was able to get on my parent’s insurance- i purchased a cheap plan for myself and was on welfare as a secondary). If its a secondary insurance would it be able to cover a child?

  17. Pearlie February 21, 2014 at 8:38 pm Reply

    If i take a job that lets say pays 10.00 an hour and i make 400.00 a week but now the employer takes 200.00 out pre tax for medical insurance. at the end of the week will my pay check show that I made 400 or will it show that i made 200.00 dollars.

  18. Codi February 21, 2014 at 10:34 pm Reply

    Hillary said that she would make it a “mandate” for all Americans to purchase private healthcare insurance. Romney and Guiliani say that people can purchase health care insurance through tax credits, and…?

    With 47 million uninsured Americans unable to get it, how can our candidates and government EXPECT people like me to able to afford between $1800 to $3000 a month private health insurance policies?

    Has anyone really put some serious *thought* into addressing this crisis with the uninsured and low-income–instead of just adding what I see as “Band-Aid” solutions to a growing problem here in the country?

  19. Kerry February 22, 2014 at 3:05 am Reply

    I’m 56 years old and still working and get insurance through my large employer.

    But, let’s say I decide to retire. I’m single with no dependents. My net worth not counting my house is about 2 million dollars.

    Most of my money are in tax deferred retirement accounts and tax sheltered accounts. Some are taxable income producing accounts.

    My house is paid off. Say my net taxable income is $30,000 and I can comfortably live on it a year.

    Could I get subsidies from the government for my health insurance through the health exchange since I’m “low income” but still a millionair?

    Does not seem fair.

  20. Mollie February 22, 2014 at 6:16 am Reply

    What are the differences between:

    – Universal Health Insurance
    – Universal Health Care
    – National Health Insurance
    – Private Health Insurance
    – Government Health Care
    – State Health Care

    I am especially confused with Universal Health Insurance vs. Universal Health Care.

    Can you answer the question for each category in few sentences (not too much detail, but fluent explaination please)
    and it would be great if you leave the source as well so i can look into it more. Thanks.

  21. Jere March 15, 2014 at 12:24 am Reply

    We can not afford health insurance and we NEED IT! My 1 1/2 year old needs to be seen for regular visits, my fiance has hip dysplasia and needs to be seen & I have been having really bad pains in pelvic/lower stomach. We have tried Medical but we make too much money but we can not afford Blue Cross, Kaiser, etc. Does anyone know of a cheap health insurance that can help us?????

    We live in Solano County
    His work provided insurance but we can not sign up until December

  22. Cherilyn May 6, 2014 at 7:10 am Reply

    What is the best affordable health insurance for a low income middle age woman in Southern CA?

  23. Codi May 6, 2014 at 2:43 pm Reply

    I am 29 years old and looking for health insurance for me and partner of same age, which include medical as well, hassle free claims in future, and with best offers?

  24. Ginette May 15, 2014 at 11:27 am Reply

    Saw this article on YAHOO today in which the questions are starting to come as to how the HUGE savings Obama has proposed are looking. If you read in between the lines ( and actually the words them self) we all know these will be bogus numbers that will fade as time goes by.

    For starters, the $2 trillion in reduced costs for care, administrative work and other medical expenses were supposed to be savings for the entire economy, not just the government.

    That means that even if the savings were realized, much of it — no one knows exactly how much — would not be available to help Congress pay for its health overhaul bills. Those measures have ranged from an $856 billion bill by the chairman of the Senate Finance Committee Chairman, Sen. Max Baucus, D-Mont., to House Democrats’ $1.5 trillion version, both covering 10 years.

    Analysts, though, say there are no assurances the proposals will become reality. The plans lack detail, could take years to perfect and implement, and in some cases could be resisted by practitioners inside and outside the medical profession who don’t want to lose money, they say.

    The AMA, for example, says money could be saved by forgoing unneeded procedures if doctors could be protected from malpractice lawsuits as long as they followed specified treatments. Trial lawyers are vehemently against limits on such suits, however, and it is unclear what Congress will do when these two well-funded lobbies clash.

    Experts also cite the uncertainty of measuring how much money the proposals would save because it would be hard to calculate what medical spending would have been without them. In addition, it would be difficult to enforce the new rules. A medical company, for example, might lose income in one area but raise prices in another to earn the money back.

    Robert Reischauer, a former head of the nonpartisan Congressional Budget Office and now president of the Urban Institute, put it this way: “There’s no way they could make it a number you could write down on a deposit slip for a bank.”

  25. Luis May 31, 2014 at 5:48 am Reply

    I have severe episodes of tonsillitis about 5-8 times a year (lasts 2wks – 1mo, fever hangs around 102F-104F, pain relief in bones and muscles is impossible with over-the-counter pills) and I have small bouts in between those. I’m no longer going to college because it can get really difficult to attend and keep up with classes. I have no health insurance and my mom only has enough money for bills, my dad is homeless and stays with whoever is charitable enough to house him for the night or so. I’m 20 years old and I hear you have to be disabled or 19 and under with low income parents to receive cheap or free health insurance. I need a tonsillectomy so I can stop being sick constantly. I’m trying desperately to find a job and am keeping it hidden that I’m chronically ill so they’ll hire me, but still no luck for the past summer. Is there any type of health insurance I would be eligible for to pay for my ~$2,000 surgery?

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