Health Plans for Women - We all have seen the increase of Health Plans for Women that effect all our medical needs. We have investigated the latest services that are offered. This page and the links here will aid you in your search for answers about Health Plans for Women.
Health Plans for Women - Private and Public - There are a variety of private and public health insurance programs. Most women obtain health insurance through their employer or as a dependent in a family plan. There also are public health insurance plans funded by the federal and state governments. Uninsured women are more likely to suffer serious health problems, partly because they tend to wait too long to get preventive care. The lack of health insurance can even be deadly.
Types of Insurance Plans:
Private Health Insurance for Women
Fee-for-service - The provider gets paid for each covered service. Most have a deductible amount that you must pay each year before the insurance company will begin to pay for medical services
Health Maintenance Organizations (HMOs)
- They provide health services for a fixed monthly payment. The HMO Act of 1973 created this alternative to traditional health plans as a more affordable option.
Preferred Provider Organization (PPO) - This is another option that offers more choices than an HMO, but can be more costly for anyout-of-network services.
Public Health Insurance for Women
The government also provides health care insurance for qualifying women through Medicaid, Medicare, and special interest programs. These plans help those who meet certain financial, age, or situational requirements. The following is a description of the different types of government health insurance programs:
Medicare - This is the national health insurance program for people age 65 or older, some people under age 65 with certain disabilities, and people with permanent kidney failure. Medicare has two parts:
Part A covers inpatient hospital, skilled nursing, home health, and hospice services. Everyone over age 65 is entitled to Part A.
Part B covers outpatient hospital, physicians, lab, and other services.
Part B is a supplemental policy that must be purchased.
The Medicare Modernization Act of 2003 provided for improved benefits and prescription drug coverage through low-cost plans. For more information, call 1-800-MEDICARE or go to http://www.medicare.gov.
Medicaid. This is a state-run health program that receives federal funding and must meet federal guidelines regarding specific benefits. Medicaid provides health care to qualifying low income individuals and families with limited resources. You must be a U.S. national, citizen or permanent resident alien in order to apply for benefits. Each state outlines its own eligibility rules and administers its own program services. Qualification in one state does not guarantee qualification in another state. For more information, call 1-877-0267-2323 or go to http://www.cms.hhs.gov/medicaid.
Note: Many states have become more flexible in their ability to serve families in need, especially if you fall into any of these categories:
Pregnant — Both you and your child will be covered if you qualify.
Children/Teenagers — May cover sick children or teenagers on their own.
Aged, Blind, and/or Disabled — Nursing home and hospice care available.
Leaving welfare — You may be eligible for temporary assistance.
State Children’s Health Insurance Program (SCHIP)
This is a joint state and federal program that provides insurance for children of qualifying families. Families who make too much money to qualify for Medicaid but cannot afford private health insurance, may be able to qualify for SCHIP assistance. Eligibility and health care coverage will vary according to each state. For more information, contact http://www.insurekidsnow.gov or call 1-877-KIDS-NOW
Other government-sponsored programs for uninsured women include:
WIC - Provides supplemental foods, nutrition education, and referrals to health care for low-income pregnant, breastfeeding, and postpartum women, infants, and children up to age 5. Contact:http://www.fns.usda.gov/wic.
National Breast and Cervical Cancer Early Detection Program (NBCCEDP)- Provides free or low-cost mammograms and pap tests for women over age 39 who cannot afford breast exams or Pap smears. Contact: http://www.cdc.gov/cancer/nbccedp/contacts.htm or 1-888-842-6355.
Maternal and Child Health Services - State programs provide health care services for low-income women who are pregnant and their children under age 22. The federal government funds these programs and establishes general guidelines regarding services. Each state determines eligibility and identifies the specific services to be provided. For services available in your area, contact: Thereports/link/state_links.asp.
Indian Social Services Welfare Assistance - Provides financial assistance for American Indians in need, living near or on reservations. Contact: http://www.doi.gov.
Projects for Assistance in Transition from Homelessness (PATH) - Federal grants are provided to states and territories that partner with local organizations to provide a variety of health services for homeless people who have serious mental illness. Contact: http://www.samhsa.gov.