health insurance
Health insurance or medical insurance (also known as medical aid in South Africa) is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance, risk is shared among ma ...
for children are available in the US State of
Idaho
Idaho ( ) is a state in the Pacific Northwest region of the Western United States. To the north, it shares a small portion of the Canada–United States border with the province of British Columbia. It borders the states of Montana and Wyom ...
.
Medicaid
Medicaid in the United States is a federal and state program that helps with healthcare costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, including nursing home care and pers ...
is available, and there is also a scheme for assistance to families of State employees.
Insurance coverage for low income families
A major contributor to covering children in the state of Idaho is Health Insurance Premium Assistance. This is an access card available for children. This access card allows parents to purchase private health insurance. This card is very useful and allows parents and families to purchase health insurance when their children meet the guidelines. It is meant to help make insurance more affordable to low waged families.
A low wage family, as classified by this program, would be a family whose income is mandatory
Medicaid
Medicaid in the United States is a federal and state program that helps with healthcare costs for some people with limited income and resources. Medicaid also offers benefits not normally covered by Medicare, including nursing home care and pers ...
levels, but below 185 federal
poverty level
The poverty threshold, poverty limit, poverty line or breadline is the minimum level of income deemed adequate in a particular country. The poverty line is usually calculated by estimating the total cost of one year's worth of necessities for t ...
(FDL). These families also have to be employed by the State of Idaho, who they must be a spouse of an Idaho employee. When a child meets the eligibility conditions they qualify for at least $100 per month in premium assistance. A family that has more than three children are eligible to receive $300 per month, but they are required to pay
deductible
In an insurance policy, the deductible (in British English, the excess) is the amount paid
out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term ''deductible'' may be used to describe o ...
insurance premium
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to hedge ...
s.
Medicaid
Another program that the state of Idaho offers is Medicaid, which is direct coverage for children. In order for a children to receive Medicaid, they are reviewed on their health needs. Once enrolled, the person must undergo
health screening
Screening, in medicine, is a strategy used to look for as-yet-unrecognised conditions or risk markers. This testing can be applied to individuals or to a whole population. The people tested may not exhibit any signs or symptoms of a disease, or t ...
, and is then placed into a
primary care
Primary care is the day-to-day healthcare given by a health care provider. Typically this provider acts as the first contact and principal point of continuing care for patients within a healthcare system, and coordinates other specialist care t ...
case management system. Medicaid consists of three different plans that are characterized to fit differing needs.
The principal plan for children is the Medicaid Basic Plan. “The Medicaid Basic Plan is for healthy
low-income
Poverty is the state of having few material possessions or little
children and adults with eligible dependent children. This plan provides complete health, prevention, and wellness benefits for children and adults who don't have special health needs. Most Medicaid participants will be enrolled in this benefit plan.”
See also
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Health insurance in the United States
Health insurance in the United States is any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance, or a social welfare program funded by the government. Synonyms for this usage include ...