This past week, I was talking with an accountability group, and we started talking about healthcare. For individuals in transition or who are under employed, health care can be one of the most stressful issues in our lives. So many people are forced to make decisions detrimental to their health based on their current financial situation and lack of knowledge for healthcare options. Therefore I would like to discuss some options here. If you have other information to benefit others, I would appreciate your comments and suggestions.
Every state is different, but for everyone in California who has children, and is in transition, or under employed, you can get coverage at least for the children. Healthy Families is a state program to make sure all children have coverage. Eligibility is based on household size and income. Click here for Healthy Families Applications.
Also in California, medi-cal may be available for low or no income individuals. Applications are available at local county social services departments. In Orange County, click here for Social Services information.
For those that purchase medical insurance, due to the costs many are forced to purchase the lowest cost insurance which is often a high deductable insurance. Unfortunately with a high deductible, every visit, every test, every thing is extremely expensive. This leads to not going to the doctor, and the insurance being only for the purposes of catastrophic coverage. Some Insurance providers have financial assistance programs. For example, Kaiser Permanente has a Medical Financial Assistance program (for those already enrolled in their insurance programs). It provides financial assistance for low income families, and covers all or a portion of co-pays that the patient is responsible for. Eligibility is based on household size and income. For Kaiser, click here for the Medical Financial Assistance Application
If you have a high deductible insurance, and are not going to the doctor because you cannot afford to, please check with your insurance and see what plans they may have for financial assistance. Ask for financial assistance!
If any of you have information to add that can help others in this area, please let us know what information you have found in your area or with your insurance that may help others. Thank you for paying it forward!