What health insurance programs are available for aging and/or low-income people? | HHS.gov

Medicare is a Federal health insurance program for people 65 years of age or older, certain people with disabilities, and people with end-stage renal disease (ESRD). when you first sign up for medicare, you’ll have original medicare unless you make a different choice. There are different ways to get Medicare coverage, including a Medicare Advantage plan (such as HMO or PPO). In some types of plans that don’t offer drug coverage, you may be able to join a Medicare prescription drug plan.

visit medicare.gov to:

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• Get detailed information about Medicare health and prescription drug plans in your area, including cost and services they provide.
• Find doctors or other health care providers and providers who participate in Medicare.
• See what Medicare covers, including preventive services.
• get information and forms for medicare appeals.
• get information about the quality of care provided by plans, nursing homes, hospitals, home health agencies, and dialysis facilities.
• find helpful websites and phone numbers.

For information about Medicare, visit the website or call toll-free 1-800-medicare (1-800-633-4227).

Medicare Prescription Drug Coverage: Since January 1, 2006, everyone with Medicare, regardless of income, health status, or prescription drug use, has had access to Medicare prescription drug coverage. prescription drug coverage. For more information about this program, visit: http://www.medicare.gov/part-d/index.html.

Medicare offers prescription drug coverage to everyone with Medicare. if you decide not to join a medicare prescription drug plan (part d) when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get extra help, you may have to pay a late payment. registration penalty.

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To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. each plan may vary in cost and drugs covered.

There are two ways to get drug coverage:

1. a medicare prescription drug plan (part d) 2. a medicare advantage plan (part c), such as an hmo or ppo, or another medicare health plan that offers medicare prescription drug coverage.

Medicaid is a joint federal and state program that provides free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities. The federal government provides a portion of the funding for Medicaid and sets the guidelines for the program. Medicaid programs vary from state to state. they may also have different names, such as “medical assistance” or “medi-cal.”

more information: http://www.medicaid.gov/

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The Children’s Health Insurance Program (CHIP) is a partnership between the federal and state governments that provides low-cost health coverage to children in families who earn too much money to qualify for Medicaid. . in some states, the chip covers pregnant women. Each state offers chip coverage and works closely with your state’s Medicaid program. chip benefits are different in each state. But all states provide comprehensive coverage, such as routine checkups, immunizations, doctor visits, and prescriptions. check with your state for information on covered services.

each state program has its own rules about who qualifies for medicaid and chip. You can apply right now, any time of year, and find out if you qualify. If you apply for Medicaid coverage from your state agency, you’ll also find out if your children qualify for the chip. You should check with the chip office in the state you live in to confirm if your family is eligible for benefits. These programs may have different names in your state. To find information about Medicaid and chip programs in your state, visit InsureKidsNow.gov or call 1-877-kids-now (1-877-543-7669). When you call the free and confidential hotline, you’ll be connected to someone in your state who can help you find out if your children may qualify and help you enroll them.

The Health Insurance Marketplace was created by the Affordable Care Act and helps you find health coverage that fits your needs and budget. Every health plan on the market offers the same set of essential health benefits, including doctor visits, preventive care, hospital stays, prescriptions, and more. you can compare plans based on price, benefits, quality, and other features important to you before making a decision. People in most states use healthcare.gov to apply for and enroll in health coverage.

with one application, you’ll see if you qualify for free or low-cost coverage through medicaid or chip, or for savings on a marketplace plan. most people who apply will qualify for some form of savings. For more information, visit healthcare.gov or call the Marketplace Call Center at 1-800-318-2596, 24 hours a day, 7 days a week. tty users should call 1-855-889-4325.

If your state has its own marketplace, you won’t use healthcare.gov. You’ll use your state’s website to sign up for individual/family or small business health coverage, or both. For a list of state marketplaces, visit: https://www.healthcare.gov/marketplace-in-your-state/.

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