Your Guide to Public Health Care Programs
There are various public health insurance programs United States residents can enroll in. In most cases, these systems are available to candidates who are not offered or cannot afford private health insurance. Some of the most utilized medical insurance options are Medicaid, Medicare and the Children’s Health Insurance Program (CHIP). However, petitioners must meet specific requirements that relate to age and earned income before they can enroll in these programs.
These health insurance plans vary slightly from state to state, but in general, they are uniform across the country. For example, Medicaid in one state may offer additional benefits to enrollees, such as dental coverage. However, basic health care plans are available to candidates who meet the programs’ financial requirements. The sections to follow will explain the differences between these three health care options and which groups of individuals may apply to each.
What is Medicare?
Medicare is a medical insurance program that is available to candidates who are at least 65 years of age. However, in specific cases, Medicare may be available to younger applicants with disabilities or to petitioners who have End-Stage Renal Disease (ESRD). With this form of health insurance, enrollees have the right to choose what type of plan they want.
There are four major types of Medicare health insurance plans beneficiaries can choose from. They include:
Part A, which provides enrollees with hospital insurance coverage.
Part B, which gives beneficiaries standard health care insurance.
Part C, also referred to as Medicare Advantage Plus, which is offered through a private, independent company.
Part D, which is an appendage to the program that offers enrollees coverage for prescription drugs.
Qualifying candidates may choose among these medical insurance plans once they enroll in Medicare. Unlike other public affordable health care programs, Medicare insurance takes into account beneficiaries’ ages instead of their income levels.