Sunday, December 9, 2012

Healthcare Insurance for Single Mothers

Are you a single mother without health insurance for your children? Is this causing you a great deal of stress at night or when your child has a small cough? You most likely want to know that your children are going to be taken care of if they are sick. The same is true if they simply need to have a check up. However, all of these things can become very expensive if you do not have insurance for your children.

State and federal governments will offer insurance through Medicaid programs but you will need to complete a set of guidelines in order to qualify for these services. What happens if you do not qualify? This can be very frustrating and it can make it difficult for low income mothers to determine where they should turn next. What you will find is that there are some places that you can turn in order to get great coverage.
You may want to start by looking at the "Med health insurance" website. This is a great resource for single mothers, self employed mothers or families that need affordable medical coverage. Even if you were once using Medicare and you had a lapse in coverage you may be able to get assistance here.

When you look at this site you will find that you may be able to get mini medical coverage for your children and yourself for as little as $50 a month. However, you should know that there are some things that you must remember with this type of insurance. First off, you may only be able to receive treatment a predetermined amount of times each year. Most of your prescription medications may be covered but that does not mean that all of them will be covered and this can be a problem. Therefore, always speak with a representative to determine what medications will be covered and which ones may not be covered. It is also important to know that accidental coverage may not be complete and you may not have as much coverage as you would like. Just make sure that you are asking questions and getting everything in writing. If the company is not willing to do this then you will want to move onto another company.

Health savings accounts are also on the rise. These are very inexpensive for many individuals that are struggling financially. If you have children and you are not able to pay for a full health care plan then this might be the way for you to go. When you apply for these types of plans you will be setting up an account that is much like a typical savings account. Then, when you need medical assistance you will be able to make withdrawals from this account to cover the cost. You will be able to rest easily because you know that you can afford preventative care that your children really need to be healthy.

No matter what type of a plan you decide to go with you should always find out what doctors you will be able to see. You should never purchase a plan that does not have doctors in your local area. It will not save you anything if you need to drive a great distance for medical services that you can get close to home. Always spend time reading the fine print and never sign something that you do not completely understand. Remember, you are already
struggling with financial complications and you are simply trying to find a way to ensure that your children will be taken care of if they are ill. That does not mean that you should jump into anything and allow large companies to take advantage of you. The more questions that you ask the more knowledgeable you will be and you will be able to make better decisions about the health insurance plan that will be best for you. Many times you may be able to find websites that will allow you to compare different plans at one time. If you do not have access to a computer or you do not know how to use the internet then you can always go to your local library and they can help you there.




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