Health Insurance Articles
Health Insurance Options For People With Disabilities
2010-07-31
Worries about dependable health insurance affect millions of people each year. This is especially true for people who have physical or mental disabilities. Many people find that getting insurance coverage can be frustrating or difficult. There are several different health care options that can be utilized for people with temporary or permanent disabilities.
Several government programs are available to people with documented disabilities. Once the Social Security Administration verifies and recognizes a disability, Medicare and Medicaid may be an option. These health insurance programs cover virtually all treatments, although there may be some prior authorization required for certain tests and treatments. There are also specific programs for women that include breast and cervical cancer screenings and treatment. With any of the above programs, certain providers and income eligibility may be required.
If these types of insurance coverage options are not available, there are some low cost or free programs and services. Some states will provide a basic health plan for people with low incomes. Based on a sliding scale, determination of premiums will be decided by age, family size and income, as well as county of residence. Check online with your state to determine if this option is available. Another option is a community health clinic. These clinics provide basic health services at an extremely reasonable fee. Most counties offer these services to the local community, and sometimes, based on income, these services are entirely free.
Another option is private insurance. Many insurance companies will provide insurance coverage to people with disabilities. There may be some stipulations to the coverage, such as higher premiums and deductibles, as well as limited coverage. It would be a good idea to examine thoroughly what the company offers and covers under the health plan. A person who is disabled but maintains a job might also be eligible to receive health coverage through their employer or a spouse's employer. It may also be necessary to supplement any insurance with Medicaid or Medicare if eligible. This provides the insured coverage in areas that the private insurance may not cover.
The best way to obtain coverage is to start with the state or local community in which you reside. There are many programs available to persons with disabilities, and it is just a matter of choosing the one that best suits your needs. With the health care laws currently changing, there will be more options available in the future to assure coverage for individuals with disabilities. When choosing a benefit plan, get multiple quotes from several different companies. One company may cover something that another does not. It is always a sound idea to do thorough research before making a final insurance decision.
