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A federal mandate requires that all 50 states have a health insurance program for children. Each state was allowed to create a plan tailored to the needs of children in that state, but there are some things that are the same from one state to the next. The first is eligibility.
Government funded health programs typically have very stringent income guidelines. These health insurance programs have income requirements, but the criteria allow higher income than most programs.
Another criteria for participation is that the child isn't covered by any other health insurance. That differs from most programs in a very important way. Most programs say that if the family has access to insurance, they aren't eligible. That means that parents who have employer-based insurance don't qualify. But many of the employer-based plans are too expensive, and workers sometimes simply can't afford the premiums. This program is designed to help fill that gap.
These programs don't cover families - only children. But there are some great benefits for those who qualify. Some states offer mental health benefits, transportation to and from appointments and dental/vision benefits.
If your children don't qualify for this program, or if you're in the market for individual health insurance for an adult or private insurance for a family, you have some options. Even though insurance is typically very expensive, you can take some steps to control costs.
You can eliminate extras such as vision and dental coverage, and increase deductibles to lower the cost of your insurance premiums. Look for policies that don't include maternity benefits and cancer plans as more affordable general health insurance plans. Basic coverage will likely be less expensive than an all-inclusive health insurance program.
Finally, shop before you make a decision. Even if you're offered employer-based insurance, you might find a better deal elsewhere (depending on the amount of employer participation). Look to professional groups for discounts and advice.
IBM and UPMC are teaming up to bring "smarter" hospital rooms to patients nationwide. Created by UPMC three years ago to bring the right patient information to the bedside when it's needed, the high-tech "smart room" now features new capabilities, namely a system for automatically organizing and prioritizing the work of nurses and other caregivers.
Read more...The Allegheny Valley school board will meet in an agenda session at 5 p.m. Tuesday in the Acmetonia Primary School, where board members plan to provide an update on negotiations, said board President Scott Redman.
Read more...The Agency for Healthcare Research and Quality's annual release of state-by-state quality data has been expanded to include new data on health insurance, including data on health care quality categorized by source of payment, including private insurance, Medicare, Medicaid and those without insurance.
Read more...This is a listing of promotions, hirings and other personnel actions at area companies.
Read more...His gum disease and other dental problems put Alan Checca's body at risk of rejecting the kidney. Checca said one of his doctors estimated the dental work he needs will cost $10,000.
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Read more...The Virginia Commonwealth University Medical Center on Thursday was ranked in the 2010-2011 Best Hospitals in the country by U.S. News and World Report, making it one of 152 medical centers nationwide selected out of nearly 2,000 eligible institutions.
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