Healthcare has been expensive most of its existence and even more so today, which is the reason at least 60 million Americans are going completely without it. We’ve all heard about the ongoing healthcare crisis within our nation, but analysts aren’t just talking about the rising costs of bills and doctors’ visits, they’re talking about those 60 million going sick and weary because they won’t go to the doctor while uninsured so their health suffers greatly as a result. Their inability to pay and stop their credit score from dropping is keeping too many individuals from the care they desperately need. President Obama’s plan seems to work for some while it seems to be a complete waste of taxpayer money according to others.
Health insurance doesn’t seem to be a priority to everyone but as a mom, you should certainly keep your family covered to have regular check ups and get the vaccinations children need to prevent disease and epidemics. It is far more costly to pay medical bills in emergencies and other circumstances than a monthly premium.
To combat the expenses of both, take some time for the good of the family and consider the available options in health care for families.
Many states have at least one free health clinic per county so residents may walk in to see a doctor and get the kids the vaccinations they need anytime. Qualifying families may apply for the state medicaid programs so minor children can go to the pediatrician and emergency room for free or a state recommended doctor. States and the counties within will vary from one to another so it’s a good idea to call the county Department of Public Health office and ask doctors to learn about available programs to keep the family protected and prevent expensive medical bills from illness or breaking an arm.
For Moms whose family or children have been denied or do not qualify for Medicaid programs in their state, the next program is called Healthy Families in California that helps in very similar ways but has some cost, usually about $10 per month for families and millions more will qualify that did not meet requirements for Medicaid. To find the program in your home state to cover the family when Medicaid won’t, visit www.insurekidsnow.org or call 1-877-543-7669 (1-877-KIDSNOW) for information state by state or go to healthinsurance.org to search for other plans no matter where your family lives in the states.
These state funded programs may not always cover dental cleanings or fillings so ask to see what is covered as programs and states Medicaid programs are all different in coverage options.
Top health insurance companies will certainly provide extensive coverage for eye
exams, dental cleanings, pediatric visits, emergency, and other options in all fifty states with an array of price ranges. For families that cannot afford the all-inclusive plans, generally these companies also have different packages and combinations of coverage down to just emergency visits for their cheapest rates. For example: Blue Cross and Blue Shield are top insurers with several plans for employers, individuals, and families for Mom and Dad to pick what is best to keep them and the children covered fot any medical need.
For more information about insurance companies such as Blue Cross and Blue Shield, their website gives resources for families in every state to find the right coverage for them for business, employer, and personal insurance. Their “Blue Finder” section is designed to answer questions about coverage and offer potential and current clients ways to ask direct questions to receive answers with an insurance representative before buying a policy. For online research, look through the list and descriptions of coverage choices to learn more about the company and get some information about each type of plan to compare with other companies. Choosing a health insurance company is an important decision that affects the health of the family and the family bank account so don’t just read for five minutes and buy before you know what you will be paying each month.
