Because no one should go without coverage.

5 Types of State Health Insurance Assistance Programs To Help You Get Medical Care

To those with low incomes who can't afford coverage, state health insurance assistance programs do exist around the country. Here are 5 types that may be available to you.


Getting medical care is something that everyone should be entitled to, but unfortunately is something that not everybody is able to receive in the way that they should, because of the high cost.  In fact, the medical and healthcare system in America has become so expensive, that it’s basically unaffordable for most Americans without some form of insurance.  The problem with that system is that there are still many people that just cannot get coverage regardless, because of the cost associated with that healthcare need.  But there are government programs to help, and there’s probably a state health insurance assistance program that will aide you in  your time of need.

However, that does mean that you need to find the type of program or law that’s designed to help you, and unfortunately navigating the world of insurance can be a long and tedious journey.  But by going through the right types of channels, you’ll find there’s a program out there to help just about anyone in need.  Here are 5 of the most common types of programs that may be able to provide for you the types of medical benefits that you desperately need, to get the care you deserve:

1) Medicaid

This is one of the main programs that the government offers to provide you with invaluable assistance opportunities.  What you’re going to find with insurance like this is that it ensures that those that really need help are able to get it.  Mainly Medicaid kicks in at the age 65, when senior citizens are able to start getting government health coverage.  However, Medicaid will also provide coverage to those with disabilities, as well as pregnant mothers.  Therefore it’s a great program that is for those really in need of insurance that couldn’t afford it otherwise.  Though this is a state health insurance assistance program that’s governed at the state level, so you have to check your local Department of Human Resources to find out if you qualify.

2) Medicare

An alternative to Medicaid that is run much in the same way, this offers the same types of coverage benefits to those in need, with another major difference.  While Medicaid is actually totally free in most cases, and only provides very basic benefits, Medicare provides you with a regular insurance option, that you pay in for so you get more benefits as a result.  What’s more, it’s better designed as an affordable option for low income families to get coverage for their children.

3) State Children Health Insurance Program

Also known as SCHIP, this is basically a form of Medicare that’s provided specifically for the children of impoverished families.  It’s a state run option that’s available in most places across the USA, and it provides for preventive checkups, as well as emergency care, and extended hospital stays.  However, the restrictions can be pretty stringent from state to state, and they also fluctuate by local guidelines.  But an option for medical insurance assistance like this typically has one common standard and that is you have to fall below 200% of the national poverty line in order to be able to qualify.

4) COBRA

This is the Consolidated Omnibus Budget Reconciliation Act, and what it provides for Americans, is coverage even after you lose your job, or when you’re in between employment.  The COBRA act states that you’re able to continue your employer paid benefits at your expense to the insurance company, for a temporary term until you’re able to secure a new plan.  In a tumultuous economy this is state health insurance assistance program aide that you can really count on, to ensure your family is covered while you’re searching for work.  COBRA also stipulates premium limits, so that they cannot be hiked too severely.

5) Affordable Health Care Act

This is a recent aspect of health care reform that just came into being with the new healthcare bill, and it provides for more Medicaid coverage in some states.  When the bill was signed into law, what happened was more states were provided with more money to extend benefits for Medicaid.  Some states have not extended benefits to encompass more citizens just yet, but you will find that the affordable health care act is set to kick in on mandatory terms as soon as 2014, so even if you aren’t covered now, coverage will be on the way soon.

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