If I Can't Afford Insurance, What are the other Options?

Individual health insurance can be extremely expensive, particularly if you have any pre-existing conditions or are purchasing coverage for your entire family. With record numbers of unemployment and underemployment, many people are simply no longer able to afford health coverage any longer. If you are among them, you should know you have options.

Medicaid is one option for low-income or pregnant individuals. Medicaid, or Medi-Cal in California, is a state-run program that provides a variety of health services, from routine doctor’s appointments to dental and vision care. Even if you do not qualify for Medicaid for income or other reasons, your children may still qualify for the Healthy Families Program.

Federally funded health care centers can also be a valuable resource for you if you do not qualify for Medi-Cal but are unable to afford traditional individual health insurance. These centers operate on a sliding scale basis, and you pay a fee based on your income. You and your family will have access to routine care, immunizations, prenatal care, dental care, mental health care, and treatment for illnesses as well as access to prescription medications when needed. These centers are available in both large cities and smaller rural areas.

Some employers also offer low cost employee health insurance options. Although group health plans are often associated with full time employment, even some part time jobs today are offering health plans to their employees. You may be also able to take advantage of a high-deductible health plan with a health savings account in order to cover catastrophic health expenses.

Finally, although it may be tempting, this is not the time to cut corners when it comes to your health. Stay current on preventative care, and talk to your doctor about switching from brand name to generic medications.

Contact one of our experienced insurance agents to learn more about locating more affordable options for insurance.

Source: Los Angeles Health Care