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Health Insurance Options for Low-Income Families

Health Insurance Options for Low-Income Families
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Health Insurance Options for Low-Income Families


A large percentage of the population of the United States comes from the low-income class, which are families with joint incomes of less than $38000 a year for a family of four people. The growing inflation rates and the increased living costs have tightened the noose around the neck of these average Americans, making it impossible for them to get decent healthcare. Many of these average Americans are jobless or work at places that do not offer affordable health insurance coverage to their employees. Basic day-to-day expenses like food and clothing are difficult to meet and thus spending money on health related issues is impossible for these families to do. A lot of these individuals end up in emergency rooms across the country where they receive temporary relief from their health related problems. Most need better care in a clinic or a hospital and when that is not provided the trips to the emergency room continue. There are others who make enough to barely survive but are not eligible for the health benefits that are provided by the state for those living under the poverty line.For citizens of the United States who belong to the low income-class, including children, seniors and people with some disabilities, a great option in healthcare is Medicaid/Medicare. This program is run by the states but the funding comes from both the Federal Government and the States. To be eligible for this program the sum of your yearly income and your assets should be below a certain limit. While some might argue that the coverage provided is minimal, it is certainly providing much-needed health benefits for the working class. For those people who are ineligible for Medicare/Medicaid, their children might qualify for the SCHIP or the State Children's Health Insurance Program.Many private health insurance companies offer cheap health insurance plans for low-income families. The coverage provided by these companies is comparatively low but most emergencies, accidents and injuries are covered. While many families might consider these private health insurance companies beyond their affordability range, there is certainly no harm in consulting a healthcare advisor and looking into some of the options that might be available to you in health insurance.In addition to health insurance companies, in many areas there are health centers that are funded by the Federal Government. These health centers charge people according to their income levels and provide treatment to the sick, care for pregnant women, immunizations and checkups for kids, dental care and even substance abuse help.The lack of proper healthcare facilities and health insurance for the low-income section of the population has disastrous consequences for these families. Due to lack of funding these individual avoid or postpone seeing a doctor for the most minor and preventive of diseases. The outcome is serious health complications to the patient from diseases that could have been controlled if they had been treated on time.



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Health Insurance Options for Low-Income Families Ashburn