Anyone who lives in the United States can tell you that health insurance can be extremely expensive. Even if you live in another country, odds are that medical bills and health care expenses can get steep. For low income families, health insurance can even be unaffordable at all. In fact, many families go uninsured and are only able to access care through free clinics and emergency rooms. The good news is that there are ways to secure great coverage as a low income family. To learn more about your options for health insurance if you live on a fixed or limited income, read on.
Open Marketplace in the United States
The same way you might run a Google search for life insurance for low income families if you need life insurance but were living on a fixed income is the same way you’ll want to start your search for great health insurance. While you won’t get the same type of quotes as you might for a fantastic but affordable low income life insurance policy, odds are that you’ll find something more affordable than you expected in doing a search for health insurance for low income families.
If you live in the United States, you’ll likely stumble across the open marketplace where you’ll be able to find policies based on income. A result of the Affordable Care Act, the marketplace is a great place to start when it comes to pricing out insurance coverage. Income-based, the marketplace offers policies that work for most people. However, because the marketplace is based on income and no two plans are the same, some people complain that the coverage they get for little money isn’t enough to cover their basic medical expenses. High co-pays and deductibles can be a problem when it comes to low income people finding coverage they’re happy with.
Medicaid and Social Services
If you’re living at or under the poverty line in the United States, or if you have children and are eligible for EBT and other government assistance, you may qualify for Medicaid. If you’re a senior or on disability, the same could be true for you with Medicare. Calling your local health and human services office is a great way to find out about any resources that could benefit you and your family, including free or reduced-rate health insurance. Even if you can’t get insurance for yourself, you may be able to get it for family members at no cost to you. Insurance is also important for your dental health. For instance, you can fix broken teeth at a dentist in chesapeake and have the costs covered by insurance.
Free Clinics and Alternatives
Having the right coverage can add up to peace of mind but it’s not a reality for everyone. Sadly, health insurance in the United States isn’t always attainable for a number of reasons. People who can’t get health insurance often use free clinics or wellness days to have their health care needs addressed. While not always ideal, these services can be a life-saver for low income families. If you think this could help you, call 211 in the United States to learn what’s available in your area.
If you’re fortunate enough to find insurance that might work for you, you’ll want to be sure you get a good fit. When exploring your options, start with a list of things you need out of your insurance. Understanding your needs before signing up for insurance, including supplemental disability insurance, is the best way to remain both covered and protected.
In the end, getting health insurance can be doable, even for a low income family. In reaching out to social services, taking advantage of the open market, and asking for support and help, you’ll put yourself and your family in the position of having your medical bills covered and even in a better financial situation.