Wednesday, March 14, 2012

State Health Care Plans Defined - According to Census Bureau

The United States Census Bureau splits all insurance coverage into two groups. It is either private coverage or coverage through the government. These two groups have divisions within each group. There are three divisions in the private coverage group; and likewise, three divisions in the governmental group.

The government insurance coverage is classified as Federal Health Care Plans, State Health Care Plans and Local Health Care Plans. Each plan is funded by the government at that level. In addition to these three classifications, there are six categories of government insurance coverage. They are Medicare, Medicaid, SCHIP, Military Health Care, State-specific plans and Indian Health Service.

Most people know that Medicare is for people sixty-five and over and for some people with disabilities who are under sixty-five. Many people have heard of Medicaid, and know that it is Health Care for low income but are not really sure what the coverage area includes.

Medicaid is one of the State Health Care Plans which is administered by the state and was developed for low or no-income families. This insurance is not for individuals or people who are married with no children, unless they are blind, disabled or aged and are in financial need. Depending on the state, Medicaid may be called by a different name.

SCHIP or the State Children's Health Insurance Program is one of the State Health Care Plans that is given matching funds from the federal government so that health insurance may be provided to families with children. SCHIP was created to give health insurance to families with children who have income that is high enough they do not qualify for low income programs such as Medicaid and have no other source of insurance for their children.

Monday, March 12, 2012

Tips For Finding a Cheap Baltimore Health Insurance Plan

Low income residents of Baltimore can find a cheap Baltimore health insurance plan through Baltimore HealthCare Access, Inc. If you're not eligible for government assistance, however, you can still find a cheap Baltimore health insurance plan by using an online quote tool to compare competitive rates.

Baltimore HealthCare Access, Inc. was established by the Baltimore City Health Department in 1997. It provides various health education, outreach programs, and insurance services to qualified residents of Baltimore. Their newest health insurance program is Medical Assistance for Families, which was introduced in 2007. It offers full health coverage for Maryland families that earn $25,600 or less annually. Other plans are also available for individual assistance.

If you are not eligible for any of the programs offered through Baltimore HealthCare Access, you can still find cheap health insurance plans in Baltimore by using online quote tools to find competitive rates. You can use the tool to compare health plans available in Baltimore and determine the maximum amount of benefits you can reasonably afford. The more quotes you obtain the better chance you have of finding a low cost plan!