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Index | Health Insurance | Government Health Insurance

Government Health Insurance

Government Health Insurance incorporates several programs worked out in order to provide health care assistance to individuals and families.

Medicaid

Medicaid is a government health insurance program which aims to guarantee people of low incomes and resources with free health insurance. This program allows people a choice to pay for some or all of their medical bills. It is not that all poor people have an access to Medicaid. There exist eligibility criteria for people to be able to apply to Medicaid. The general Medicaid criteria consider the age, the income and the resources such as saving accounts or property. It takes into account your medical conditions, whether you are disabled, blind or pregnant. Another aspect of eligibility concerns the citizenship. If you are a U.S. citizen or lawfully admitted immigrant you can apply for Medicaid coverage.

The Medicaid health insurance program is funded not only by the government but also by the states. Each state is responsible for implementing and managing its own program, that is why, the eligibility criteria may vary by state so that a person who is eligible for Medicaid in one state may not be qualified for it in another state.

Medicare

Medicare is another health insurance program administered by the government. The program serves the people who are over 65, those who are under 65 with certain disabilities and people of all ages with End-Stage Renal Disease. It is a permanent kidney failure which requires dialysis or a transplant.

Medicare insurance consists of 4 parts. Part A deals with hospital insurance. It helps to pay for care in hospitals, in smaller medical facilities located in rural areas, skilled nursing facilities except for custodial or long-term care, hospice care and some home health care. Part B pays for doctors’ services, outpatient care and other medical services not covered by Part A. Part C is considered to be a supplementary coverage and called The Medicare Advantage Plan devised for those who wish to obtain private insurance plans. Part D covers prescription drugs.

The State Children’s Health Insurance Program

The state children’s health insurance program is an insurance program taken under control by the United States Department of Health and Human Services. The program ensures health care payments for families with children who are not eligible for Medicaid but still have relatively low incomes.