There are plenty of things for a single mother to worry about, and one of those is the ever important issue of their health and the health of their children. However there are several health insurance for single mothers and single parents in general out there that you simply may not be aware of. This article is here to make these things clearer to you.
Children’s Health Insurance Program (CHIP)
You may have heard of Medicaid (which will be discussed in more detail later), which is a subsidized medical insurance scheme to hep low income families such as those headed by single parents when it comes to covering medical costs. However there are a number of people who earn too much money to qualify for Medicaid, which means that they are ineligible for this coverage. At the same time they do not earn enough to get private health care insurance. CHIP exists to make sure that children that are 19 years or younger are able to get the appropriate health care attention that they need at all times. Different states have different eligibility guidelines, benefit packages, payment levels required for coverage and administrative processes when it comes to CHIP. However it is well worth having this coverage as your child will be covered for a wide variety of things including routine check-ups, immunizations, dental care, inpatient and outpatient hospital care, laboratory and x-ray services, and no-cost preventive care.
Medicaid, like CHIP, can be accessed in every state and is another one of the great options when it comes to health insurance for single mothers. This is one of the better known single mother grants when it comes to health care coverage and is something that is well worth looking into.
With Medicaid your child will have access to preventive care, immunizations, screening and treatment of health conditions, hospital and doctor visits, and vision and dental care.
You can apply for both Medicaid and CHIP in one of the following ways:
- Firstly you could try making your application telephonically. When you call 1-877 KIDS NOW (1-877-543-7669) you will be put through to a representative that will assist you with the application.
- Applications can also be completed online. To find the relevant application forms, go to CHIP and Medicaid.
- You can also send your application through the mail system.
Note that you may have to supply certain documentation, depending on the state, so be prepared to provide the necessary paperwork.
Participating Patient Assistance Programs
It is important to note that there are a number of different plans offered by specific states. You need to check what option your specific state offers you and your family when it comes to health insurance for single mothers as there may be more choices out there than you may think at the moment. Of course you will have to do a bit of research and look into each of the options carefully to find the best one for you, this website is a great resource for finding the best options in terms of health insurance for single mothers in each of the states: . Single parents no longer have to worry that they are alone because this is simply not true. There are a number of choices available. You just need to know where to look and be willing to put in the time needed to find the best plant o make sure that your child is adequately covered in term of health care insurance.
A plan for just you and your child
In the past it was very difficult for single parents, single mothers in particular, to get health insurance coverage through their companies that did in fact suit their personal needs. However new health insurance for single mothers options have fallen into place of late. It is now possible for you to get a health insurance option from your company that covers just you and your child or children. In the past if you wanted your health insurance plan to cover more than one person you would have had to pay for an extra adult on the plan, but this is simply something that is no longer necessary.
The above mentioned options are not the only options you have. Like with most other things in life you have a lot of choice in this modern world when it comes to finding health insurance for single mothers. The below mentioned resources are things that are certainly well worth your consideration and time if you are serious about finding a way to ensure that you and your children have adequate health care coverage. Many single parents have used these single mother grants successfully to take care of their families. There are a number of other health care resources available from several different sources:
- Health Resources and Services Administration (HRSA)
- Smile for a Lifetime – Free Orthodontic Care
- American Kidney Fund (AKF)
- Association of Community Cancer Centers (ACCC)
- Candlelighters Childhood Cancer Foundation
- Chronic Disease Fund, Inc (CDF)
- Caring Voice Coalition
- Chai Lifeline
A lot of people cannot afford health insurance for single mothers that covers getting prescription medications. Below are some resources for single parents to help them get the medication they need either for free or at very low rates:
- Partnership for Prescription Assistance (PPA)
- Patient Assistance Programs
- Centers for Disease Control and Prevention (CDC)
- Vaccines for Children (VFC) Program
- WISEWOMAN – Heart Health for Uninsured and Under-Insured Women
- Advisory Committee on Immunization Practices (ACIP)
Affordable drugs health insurance for single mothers
Prescription drug manufacturers: You may be surprised to hear that prescription drug manufacturers provide programs whereby families that do not have ready access to health care insurance, such as those headed by single parents, can have access to a variety of medications that the otherwise may not have been able to get. This is something that is certainly well worth your while to consider, especially if your employer does not offer a health insurance package that is adequate for your family’s needs and future possible situations.
Your doctor: In order to become aware of these programs and to find out whether or not you are eligible for them you will have to speak to your doctor. Your doctor may also be able to provide you free samples that he or she has been given so that you do not have to wait. Your doctor is also the person who will know about all of the options that are out there in terms of getting the right medication at discounted rates so that you can ensure the health of your child remains stable and is not compromised in any way.
Pharmacies offer discount clubs: Yes, there are indeed a lot of pharmacies out there that have discount clubs and systems in place that allow for single parents and other low income families to get medications at affordable rates. This is very important and should form a part of all health insurance for single mothers. It is essential that you look into all of these options. Inquire at your pharmacy today. Your doctor may also be able to give you some idea of which pharmacies offer services like this so that you can go ahead and get the medications that you and your children need.
Generic medications: When you fill out the relevant forms you should always tick the box that says ‘generic medications’. Generic medications are medications that serve the same purpose as other medications, but that come at a much cheaper rate. In most cases a prescription form a doctor will state that you are to receive the cheapest available generic. This is a very important part of ensuring that you get the medication that you and your children need without running the risk of bankrupting yourselves in the process. Asking for a generic is your basic right and your doctor has the responsibility to indicate your desire on the prescription.
Now that you are aware of all of the option you should be much better equipped to have an idea of just how to go about making sure that you are your child receive adequate health coverage. There are plenty of options when it comes to health insurance for single mothers. As you may have noticed by now there are a number of agencies and so on that offer single mother grants. This means that you will be able to find assistance in all of the areas that you need, not just in terms of health care insurance.
Originally posted 2012-04-11 04:32:26.