Affordable Health Insurance for Single Mothers You Can Actually Live With
You are a single mom, affordable health insurance for single mothers is hard to come by, especially if your employer doesn’t provide it. What are you supposed to do when your children are sick?
Affordable Care Act
The affordable care act, also known as Obamacare, is a gratuitous healthcare reform plan that aims to reform or provide a change to the existing American health care system, in efforts to bring about a change in policies and administration.
Some the issues that the Obamacare aims to curb are:
- Providing and giving healthcare access to more Americans
- Regulating, and checking up on the healthcare industry,
- Reducing spending In healthcare
- And Improving the current quality of healthcare
Obamacare is truly adaptive in the fact that it frequently changes policies and add provisions regularly to keep the public updated and under the best possible health care conditions. As of recent facts, “Thanks to Obamacare, nearly 6 in 10 Americans without health insurance could get health coverage for $100 or less a month in 2014.”
Keeping these reforms and changes in mind, the Affordable Care Act was signed with the election of President Barack Obama in 2008 to bring about the prodigious and lasting effects in to the picture.The Obamacare promise was to cover more and provide ore protection to those under the plan. For example, birth control and children’s immunization will be covered, without extra co-pays or added, or hidden, fees.
Also, children/youth/young adults are covered under their parent’s plan until they are 26 years old. Additionally, health care providers are not allowed to limit the amount of care they will provide. The entire system will take place under standardized limits.
More reforms are also scheduled to come beginning January 2014. For example, many injustices will now be deemed “illegal”. Charging a woman more than a man for the same service or denying service will all be illegal and punishable by law under the restrictions placed by the affordable care act. Also, there will be no long document of papers to sign, there will be a condensed summary of what exactly to expect as will be covered by your healthcare plan.
Apply to Obamacare
More changes are also underway to reform the affordable care act. There is a new simple way to buy healthcare on the government website, healthcare.gov. The website gives you options and explains each healthcare plan in detail. You will also be notified if you are eligible to pay less, but your essential health benefits will never be compromised. Here is how to apply:
- Online, on healthcare.gov
- By mail
- Talking on the phone
- Visiting the offices and applying in person
- Call for more info: 18003182596
For a clear video explanation of what the affordable care act covers, and a breakdown, watch:
It is difficult enough to pay for the doctor’s appointment, but when you head to the pharmacy you will find yet another financial hurdle that you must jump. The good news is that there are prescription programs you can use to help you save some money on the rising cost of prescription medications.
The prescription drug manufacturers themselves are the ones that provide these programs. They are designed for people like you who have low incomes but are not poor enough to qualify for government aid programs. The companies offer these programs to help their public images, because they can state that they provide free or discounted medication to people in need.
How can you find these programs? The first step is to talk to your doctor. You may find that your doctor has free medication samples that you can use, saving you the hassle of contacting the pharmaceutical companies. Your doctor will also know of the programs that are currently available from the major prescription drug companies. Let your physician know your situation, and see what he suggests.
If you qualify for a program, your physician will have to apply for the program for you. These programs are often designed for those who need ongoing medications. Perhaps you need help paying for your child’s inhaler or your blood pressure medication. If so, then this is a good route to pursue. If you are looking for a discount on drugs you need temporarily, you may need to pursue other options.
Most pharmacies offer discount clubs that you can join that provide you with access to prescriptions at a discounted rate. Before joining one of these, make sure that you will not be paying more for the club membership than you will save. If you rarely need medication, this may not help.
Remember to request that your doctor check the box for generic medications on your prescription. Many national pharmacies have discount programs that anyone can use to buy generic prescriptions. You could be paying $100 for a medication that would only cost $4 if you bought generic. By following these steps, you can cut down on the cost of your prescription medications, saving more money for you to use on your precious kids. It is best to plan ahead about your healthcare so you are always put in a position you are happy with.