Finding Health Insurance

Finding Health Insurance

Get information on how to find and get health insurance, including ACA, COBRA, long-term care, and disability care. Finding Health Insurance

Affordable Care Act

For more information about the Affordable Care Act and how to apply, visit HealthCare.gov’s health insurance marketplace.

Note: In response to the coronavirus pandemic, you may be eligible to apply for coverage through the Health Insurance Marketplace during the special enrollment period from February 15 to May 15, 2021.

Health insurance helps pay for medical services and sometimes prescription drugs. You and your insurance company each agree to pay a certain amount or percentage of your medical expenses.

 

 

 

 

Long Term Care

Find helpful information about long term care services. Get answers to frequently asked questions and learn how to complain about long-term care.

Learn About Long Term Care (LTC)

Long Term Care (LTC) is a range of services including medical and non-medical care for people with chronic illnesses or disabilities.
If you are considering long-term care needs for yourself or a loved one, the following resources may be helpful.
Educate Yourself About Older Legal Issues
Long Term Care Insurance
Most health insurance companies and Medicare severely limit or exclude long term care. If you need compensation, you may need nursing care insurance separately. These questions help evaluate long-term care insurance.

What medical conditions are eligible for benefits? This includes eating, walking, moving from bed to chair, dressing, bathing, and going to the toilet.

Which care service is the insured person?

Does your insurance cover home care? Does it include assisted living facilities with less care than a nursing home? If you want to stay at home, does it cost money for a nurse or therapist to visit you? ?How about helping with meal preparation or cleaning the house?

What are the benefits limits?

Most plans offer a fixed amount of perks per day
Care benefits are typically about half of nursing home benefits. However, some policies pay the same rate for both forms of coverage. For other plans, you pay only the actual cost.

How long is the benefit?

Whole life insurance is available, but more expensive. Other options for coverage range from 1 to 6 years. The average length of stay in a nursing home is about 2.5 years.

Are the benefits adjusted for inflation?

Will the benefits start immediately?

Waiting periods of 20 to 100 days are not uncommon.

Care Complaints

Call 911 or contact local authorities if you feel you are in danger.
To file a complaint about a long-term care facility, contact your state long-term care ombudsman or local elder abuse resources.

Health Insurance and Health Resources for People with Disabilities Find information about health insurance and resources for people with disabilities.

Health Insurance for People with Disabilities

If you have a disability, you have three options for state health insurance.

Medicaid provides free or low-cost medical services to people with disabilities. Click here for more information on eligibility and how to apply

Health Resources for People with Disabilities

Federal, state, and local agencies and programs can help you meet your health needs if you have a disability.

Visit the Disability and Health section of CDC.gov for articles, programs, healthy living tips, and more.
Learn more about benefits for people with disabilities from the Social Security Administration.
Contact your local city or county office to find out what medical and health services are available in your area for people with disabilities.
State Social Services can help you find medical and wellness programs. Visit the Government Benefits page at
USA.gov to learn more about government programs and services that can help you and your family.

How to Apply for Medicaid and CHIP

Medicaid is a federal and state health insurance program for low-income individuals.

The Children’s Health Insurance Program (CHIP) provides health insurance for children.

Too expensive to qualify for Medicaid

Too cheap to get private health insurance
Medicaid and CHIP program names vary by state.

Learn more about Medicaid

What help is available through Medicaid?
Medicaid provides free or low-cost medical services to its beneficiaries. medicine?
Check with your state Medicaid office to determine if you or your family are eligible for benefits. Generally, it depends on at least one or a combination of the following factors: Apply? medicine?
There are two ways to apply for Medicaid. You must be a resident of the state in which you claim benefits.
Complete an application through the Health Insurance Marketplace
Learn more about the Children’s Health Insurance Program (CHIP)
Even if your income is not covered by Medicaid, your child may be eligible for the Children’s Health Insurance Program (CHIP). It covers medical and dental care for an uninsured child and her youth up to the age of 19.

CHIP eligibility varies by state. Most often they depend on income.

How do I claim CHIP benefits?

You have two options to apply for CHIP.
Complete your application through the Health Insurance Marketplace.

What else should I know about CHIP?

Medicaid or CHIP can be applied for and enrolled at any time of the year.
Learn how to use Medicaid or CHIP insurance.
Similar to Medicaid and CHIP, the Basic Health Program (BHP) offers ongoing coverage at an affordable price. This is an optional program offered by the state. Available to anyone with income above or below Medicaid or her CHIP level.
Find out about other popular types of health insurance, like Medicare, to help pay for medical expenses. Finding Health Insurance

File a Medicaid or CHIP Complaint

If you have a problem with Medicaid or CHIP services, you can file a complaint. These programs are administered by individual states, not the federal government. Contact your state’s Medicaid program to report the problem. Finding Health Insurance

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