Programs for the Uninsured

People who do not have health insurance are more likely to forgo routine medical care and checkups because of the cost of paying for these services out-of-pocket. Depending on an individual's age, income level, and pre-existing health conditions, there are several programs for the uninsured that may provide access to health services at little or no cost to the patient. Health discount programs, which provide discounts on health-related services and prescription drugs, are also an option for those without health insurance.

Low-Income Health Insurance

• While eligibility requirements for government health benefits are set by the federal government and are based on income and need, each state has its own separate criteria and health insurance plans for low-income individuals and families. In order to qualify, applicants must meet the income level requirements for their family size as defined by their state. Once qualified, patients insured under these programs can receive access to medical care and services, as well as prescription drugs, at little or no cost.

Medicaid

• Individuals who are age 65 and older or who are disabled or blind may qualify for Medicaid, which provides coverage for medical expenses, including expenses related to assisted living and nursing home care. Like low-income health insurance, the income and eligibility guidelines for each state may vary. Pregnant women can also qualify for temporary pregnancy Medicaid in some cases, provided that they meet income, medical need, and other eligibility requirements.

Health Discount Plans

• Health discount plans are not insurance, but they do provide individuals who are enrolled with discounts on medical services and prescription drugs, provided that they use health care providers and pharmacies that accept the health discount program. Participants are given a list of qualified providers to choose from upon enrollment.