Help Finding Cheap Or Even Free Health Insurance

Nowadays finding cheap or free health Insurance can be a hassle. Not only because as the prices of health care rise, so do the prices of premiums and yearly rates in health insurance plans. There are quite a few companies in the market that offer cheap health insurance for individuals and some even offer them for free in coordination with various State and Federal government programs. Below you will find references to a number of different options that will allow you to locate cheap of free health insurance depending on your needs:

Insure Kids Now: For the parents that are desperately trying to find affordable health insurance for their children, this would be it. Insured Kids Now is a national campaign to give the estimated 10 million uninsured kids of low-income families cheap or free health care. This program is sponsored by the Health Resources and Services Agency and the U.S. Department of Health and Human Services. It works with Wal-Mart, the American Academy of Pediatrics, the Social Security Administration, the U.S. Postal Service and many more in order to prevent the issue of uninsured kids in America. The insurance will cover you fully or pay most of the cost in doctor visits, prescription medicines, hospital visits and much more. If you are the parent of an uninsured child under 18 and make less than $34,100 a year you can visit their website at InsureKidsNow.gov, in order to see your state’s requirement.

Medicaid: Medicaid is the government assistance program to low-income families. Not all low income families however, qualify for this particular type of health insurance. They must fit into an eligibility group that is recognized by state and federal law and each state has different eligibility requirements. This nationally-funded and state administered health insurance does not send payment to you; instead they worry about paying the health care providers. It is important to note that sometimes you will have to pay part of the bill which would be noted as a copayment, but overall Medicaid will cover most of your expenses. An important thing to note in this program is that it covers the children of undocumented people that are born in the United States. If you are not sure that you qualify or if you want to read more about this government program you can call your state’s Medicaid office.

Travelers Wellness Card: This Company offers something very interesting to people that have never heard of it. It doesn’t offer a health insurance plan, however if you become a member you will be given a card that will make you eligible for discounts in a national network of health providers. Some of the discounts are given in Physician Visits (20-45%), Prescription Medications (20-55%), Laboratory and Diagnosis (40-70%) and Hospital Visits (10-30%). Although it’s not a health insurance plan it can work and cost for the card is below $60 a month! Keep in mind that a discount health plan is not true health insurance and one should only purchase a discount plan as an absolutely last resort.

As you can see there are many options for people searching for cheap or free health insurance. You can visit your local division of Family Services offices in order to apply for Medicaid, shop online using a free health insurance quote comparison website that will allow you to save big money or you can even go around your local city or town and visit local agencies. This last one is a good one since many agents will try very hard to locate an affordable plan that will best suit you.