insurance for the child

Best Present for Every Supermom: Medicaid

We may have gone past Mother’s Day but it’s never too late to give your mom a special present. Tell your mom about health insurance that takes care of the whole family the way she has taken care of you all through these years – all at a minimal cost. Such insurance is available through Medicaid and the Children’s Health Insurance Program (CHIP).

You can apply for and enroll in either Medicare or CHIP any time of the year. Coverage starts immediately if you happen to qualify.

Unlike Medicare, Medicaid is primarily means-based, which means individuals of any age who meets eligibility requirement may qualify. As a result, more and more adults are getting eligible for health insurance in many states. Don’t worry if you were denied Medicaid coverage in the past, requirements are being  dynamically adjusted to cater to the healthcare needs of every state, so you’re always welcome to try again. With a broader coverage than Medicare, Medicaid covers both inpatient and outpatient care, prescription drugs, laboratory expenses, and nursing home care (depending on the state). Medicaid commonly pays for all charges, with a little chance for a minimal out-of-pocket expenditure on the member’s behalf.

Children’s Health Insurance Program, on the other hand, is low-cost health coverage for children in families that earn too much money that qualify for Medicaid. Benefits vary from state to state but all states provide comprehensive coverage for both inpatient and outpatient services, as well as primary care services.

How Medicaid benefits families
•    When you are eligible, your children are likely to be eligible, too.
•    Members of the family are more productive at work;
•    The family is more financially secured;
•    Parents can focus more on taking care of the kids;
•    The family has better access to preventive / primary care services(since prevention is ALWAYS better than cure): and
•    It gives the family the peace of mind

Melissa is a single mom from Ohio who recently enrolled in Medicaid coverage. She is a mother of three, two of which are in high school and the other still in elementary. She suffers from diabetes and understands the benefits of the Medicaid program very well. Before enrolling in 2014, she has had frequent visits to the hospital with a major one confining her in the ICU for weeks.

Being a single mom is hard enough, and when you have a life-threatening, chronic illness to go with it… it’s really scary. Given my current circumstances, being uninsured shouldn’t even come to mind. I don’t want my children to worry about me anymore. I’m just really glad very affordable health insurances like Medicaid exist. Now I can get the medicine the doctor prescribes.

Back to work and back to her kids

Melissa is now back to her job, doing very well. She enjoys her job – knowing she can pay for her bills and still actively spend precious time with her kids who mean everything to her.
So if you know a mother who needs coverage, tell her about Medicaid and CHIP. Every mom considers her children special – coverage for herself and her beloved kids will always be special.


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