Health Blog

What You Need to Know About Health Insurance

It’s almost that time again when students get ready to go back to school. This is typically an exciting time for students to get school supplies, but not so much for parents. Regardless of the economic expenses and life event changes that a parent may face, parents may also face their children getting sick or injured – not to mention that children need to have their checkups, immunizations, and dental cleanings up to date before schools starts. For these reasons, it is important to understand the importance of health insurance.

Medicaid & CHIP Programs:

There are two government programs that provide health care for families at low to no cost through Medicaid and the Children Health Insurance Program (CHIP). You can apply anytime for Medicaid or CHIP. Eligibility is based on family size and income.

These programs offer:

  • Medical
  • Dental
  • Vision
  • Emergency services (x-rays, lab)
  • Drug prescriptions
  • Hearing and speech services
  • Immunizations
  • Surgery services
  • Behavioral health services

Affordable Care Act (ACA):

Many college students have medical coverage under their parent’s insurance policy until they are 26 years old. If not, the student may be eligible for Medicaid, or they can apply for health insurance with the Affordable Care Act, well known as the Marketplace. The Marketplace is managed by the government where they can purchase a plan based on their income level as well. It functions similar to other commercial health insurance which provides the essential health care benefits. This also offers individual or family health plan benefits. You can apply for the Marketplace during open enrollment (November 1 – December 15).

It is important to protect your children from overcoming any medical issues they face by having health insurance. Now is the perfect time while getting them ready to go back to school to make sure your family is properly insured.

Contact our enrollment experts to learn more at affordablecare@cherryhealth.com or by calling toll free 866.299.1339.

By:
Adriana Pina
Enrollment Coordinator at Heart of the City Health Center