Friday, November 18, 2011

Medical Insurance For Indigents

An indigent man receiving medical care


Indigent health care programs meet the medical needs of adults with little or no income. The programs ensure that people living in poverty have somewhere to go when they need to visit a doctor. The medical needs of children from low-income families are met through state and federal programs specifically designed for them.


County Health Departments


County health departments provide a significant portion of the health care for indigent adults age 21 through 64. The available care will vary depending on the financial support each county receives from local, state, and federal government sources. Income eligibility ranges from 200 to 250 percent of the federal poverty level depending on your state of residence. Counties may also require proof of legal residency and/or a valid Social Security card before granting eligibility and access to services.


State Programs


Each state has indigent health care programs that provide financial assistance and guidance to county health departments and medical providers who have contracted to provide health care to low-income adults. Contract providers include hospitals, medical clinics, and doctors who agree to provide services at reduced rates. Indigent adults under these programs must receive medical care from them.


Safety Gap


Indigent health insurance programs are a safety net when an adult is unable to qualify for all other means to pay for health care. Other programs include Department of Veterans Affairs health care, Medicaid, private health insurance plans for low-income people, and state-sponsored health insurance plans. Indigent adults are not qualified for, or do not have sufficient income to pay for, health care under these programs. Serious pre-existing conditions can also cause people to be denied coverage.


Significance


Available medical services will vary from county to county, but medical treatment to sustain life will always be available. After receiving such emergency care, you will need to contact your county health department for further benefits, which may include physical checkups, immunizations, and family planning. The county will determine your eligibility. One of the primary goals of indigent health care is to assist you in remaining healthy and able to work.


Children


Each state has health care programs designed to meet the needs of children from low-income families. Income level and financial means of parents and guardians determine eligibility. The number of people in the household is also a factor. Children under age 21 receive medical care through Medicaid and state insurance programs. Every member of a family who qualifies can receive medical care under programs such as Medicaid.







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