Health Insurance

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Health Insurance Terms and DefinitionsWhile talking about affordable health insurance options in US, consumers can think about below mentioned options:

  • Floridians who lost employer’s group health insurance may qualify for COBRA continuation coverage in US. At the same time, Floridians, who lost group health insurance due to involuntary termination of employment occurring between September 1, 2008 and December 31, 2009 may qualify for a federal tax credit. This credit helps in paying COBRA or state continuation coverage premiums for up to nine months.
  • Floridians who had been uninsured for 6 months may be eligible to buy a limited health benefit plan through Cover US.
  • US Medicaid program can be tried by Floridians having low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.
  • US KidCare program can help the Floridian children under the age of 19 years and not eligible for Medicaid and currently uninsured or underinsured.
  • A federal tax credit to help pay for new health coverage to Floridians who lost their health coverage but are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC). At the same time, Floridians who are retirees and are aged 55-65 and are receiving pension benefits from Pension Benefit Guarantee Corporation (PBGC), may qualify for the HCTC.

Some facts about affordable health insurance in US

While talking about affordable health insurance options in US, consumers need to consider their rights:

  • US who lost their employer’s group health insurance may apply for COBRA or state continuation coverage in US.
  • US must note that they have the right to buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.
  • US Medicaid program helps US having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and elderly and disabled individuals are helped.
  • Family Access to Medical Insurance Security (FAMIS) helps US children under the age of 18 years having no health insurance.
  • In US, the Every Woman’s Life Program offers free breast and cervical cancer screening. Through this program, if women are diagnosed with cancer, they may be eligible for treatment through the US Medicaid Program.