Medical Insurance Eligibility
There are several varieties of health insurance plans to incorporate the many needs of the mass population today. However, the path you must travel to find out which insurance carrier is right for you may take some time and homework. A few of the more recognizable programs today are:
1. Medicaid insurance, Medicare insurance
2. State risk insurance pools
3. Government-run low cost health insurance programs
4. State-run children’s insurance programs
5. Employee initiative programs
6. Group insurance
7. Individual insurance
One of the more popular insurance policies is for general health, which basically covers the surface in many areas of health concerns. Health concerns regarding Medicare focus mostly on the health requirements and needs of the elderly in the population. This is reserved for those elderly who have worked most of their lifetime and contributed to Social Security. Medicare is a low cost health insurance also designed to cover the spouses of the long time employee as well.
Though initially created with many good intentions, Medicare is going broke today simply because there are not enough people with the current population to pay into the system for future generations. A very simple health care plan growing immensely and is now unsustainable.
Medicaid is a government-run program that was designed to help those in the population that found sustaining medical insurance in any form an impossible task caused by low income and sometimes no income causing even the low cost health insurance impossible to purchase.
The state-run children’s health care plans vary from state to state, yet do have a commonality with genuine concern for all the children living within the communities. It seems that the very young require constant attention for proper health needs as do our elderly population.
The option for individual health insurance is there for anyone who requires medical insurance and is able to afford a minimum insurance policy. This is an affordable insurance policy that many young and single individuals who have a means of income are attracted. Though this type of insurance is limited in what it has to offer, it does attract those who are generally in good health and only need a little back up.
The State-risk pools are reserved for those individual who, because of one or more pre-conditions that cause their health care to be unstable are able to find limited relief. This is a very structured insurance plan and is far from being an affordable health insurance because of the pool of individuals that this covers.…