How to Find Assistance for the Uninsured

According to USA Today there are 50 million uninsured Americans. Health insurance coverage continues to be a major concern for American families. When a family is experiencing unemployment the distress can be even greater. Luckily, there are a number of health care options for the uninsured. Eligibility limits for each program are different so you will need to research each plan to find the best option for you and your family.

Instructions

• 1

  Medical benefits can be extended with COBRA.

  Check out COBRA. It is offered to workers and their families who lose their health benefits due to job loss, reduction in the hours worked, divorce, and other life events. If you qualify you may be required to pay the entire premium for coverage. The Department of Labor and Industry website provides more information.

• 2

  Medical Assistance provides coverage for some pregnant women.

  Apply for Medical Assistance, also referred to as Medicaid, a program for those with low incomes. There are many different Medicaid programs, with special plans for pregnant woman, children under 21, disabled adults, working people with disabilities, elderly and others. Each plan has its own eligibility guidelines. Every state has a website where you may go to seek more information and to apply.

• 3

  Healthy kids are happy kids.

  Look into CHIP (Children's Health Insurance Program) a nationwide program that provides health insurance to uninsured children and teens. Every state administers CHIP a little differently; however, most provide coverage to families with income under established limits.

• 4

  Medicare assists the elderly with health care costs.

  Submit an application for Medicare. If you have turned 65, are disabled or meet other eligibility requirements, you may qualify for Medicare. Medicare is America's health insurance program for people age 65 and older or disabled. The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.

• 5

  Insurance companies provide low-cost plans.

  Investigate subsidized insurance possibilities. Most major insurance carriers offer a subsidized health insurance plan for individuals and families. These plans can vary widely in benefit level and coverage so it's best to go to the individual insurance websites or a trusted insurance agency representative for more detailed information.

• 6

  Quality medical care is available.

  Explore community health centers that provide free or low-cost comprehensive, high quality medical health care for all ages on an ability-to-pay basis. In some locations, a full range of services such as dental care and prescription drugs may be available. Services may be free or low-cost, based on your household income. To find the health centers nearest you, review the Department of Health & Human Services website.

• 7

  Appeal for help directly from a hospital. Most hospitals offer financial assistance for uninsured patients who need treatment but cannot afford to pay their bills. This is often referred to as Charity Care. Patients who qualify will have their bills reduced or eliminated. If you have hospital bills that you cannot afford to pay, call the hospital's billing department and ask how to apply for financial assistance.