Three out of every four Texans have some form of health care coverage. Affordable health insurance in Texas is available in many forms, including group plans, individual plans and through several state and federally funded programs. Group coverage offered by employers, organizations and associations is the most affordable. Texans without access to group coverage who cannot afford potentially costly individual coverage may be eligible for health care benefits through the Texas Insurance Pool. Medical costs for children are covered by the Childrens Health Insurance Program (CHIP) and low-income women can receive screening through the Texas Breast and Cervical Cancer Control Program.
The Pool covers costs for care for residents who have been denied affordable health insurance in Texas because of their health status, including persons diagnosed with serious conditions such as AIDS or cancer. The Pool is available only to Texas residents who have no other current coverage, have exhausted all other sources of coverage including COBRA, and are not eligible for any other group health care plan, including Medicare or Medicaid. Pool coverage is available for an entire family so long as one person in the family qualifies. Those eligible for the Federal HCTC are eligible to buy Pool coverage for themselves and their families.
CHIP provides affordable health insurance in Texas for children ages 19 and under of low-income families as defined by federal poverty levels. CHIP benefits depend on the familys ability to pay and in some cases medical care is provided at no cost. CHIP provides comprehensive coverage, including immunizations, preventative well-child care, care from doctors, nurses and clinics, lab tests, x-rays, prescription drugs and equipment, dental care, eye care, mental health services and hospital care. A 90-day waiting period may be applied, but typically can be waived particularly in the case of a child whose parent has lost his job and exhausted all COBRA options.
Affordable health insurance in Texas is available to low-income women for routine screening through the Texas Breast and Cervical Cancer Control Program. To be eligible for coverage, a woman must be a Texas resident with very limited or no health coverage and ineligible for Medicaid or Medicare. Priority for breast cancer screening is given to women ages 50-64, whereas priority for cervical cancer screening is given to those ages 18-64 who have not had a Pap smear in the past five years. Screenings are provided at no cost or for a nominal co-pay based on the womans ability to pay.
http://www.articledashboard.com/Article/Affordable-Health-Insurance-in-Texas-Low-income-Solutions/1421449
|
|
| MASUKKAN TOMBOL TWEET DISINI |
|
0 comments:
Post a Comment