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The U.S. Census says that the number of uninsured Americans is at an all time high. They point to many factors as the cause for this. Maybe the economy or decline in employer sponsored plans. A chief reason could be the rising cost of insurance premiums.

There are several Government funded programs that American’s should be aware of. Maybe this can help the staggering number of uninsured in America. Many people do not think they are eligible. You may be surprised. Many families and individuals are eligible.

We will cover the basic of the federally funded programs available to us. All of them have certain eligibility requirements that you must meet. With just the basics you can gather an idea and find the resources to find out if you or someone you know is eligible.

Medicare is most popular as the health insurance for the elderly. Covering those over 65. But, it is not limited to the elderly. It will also cover someone in the late satges of Renal Kidney Disease and some people with certain disabilities no matter their age.

Medicare has 2 parts. Part A is free and is the Hospital Insurance part. Part B usually has a monthly fee and is the Medical Insurance, meant for office visits and checkups. you can find more on this at your local Social Security office.

Medicaid is a federally funded health insurance program for low income individuals and their families. It is State administered, so each State sets forth guidelines for eligibility. You can visit your local Dept, of Human Services to find out if you meet their guidelines.

CHIP or Children Health Insurance Plan is another State administered plan. This plan is limited to children. It provides affordable dental and medical benefits for the child. There is income standards and the child must be younger then 18.

These are the 3 main options that are federally funded health insurance programs. If you do not meet the eligibility for one of these programs you can find affordable plans through a private health insurance carrier as well.

Tags: Health & Fitness //