Getting a cold or catching the flu is never fun at the best of times, but it’s particularly scary if you don’t have health insurance. When you don’t have health coverage, you can find yourself worrying about how much a visit to the doctor will cost you.
Worse yet, many people who don’t have a job don’t know how to go about getting health insurance. They figure that since they aren’t making money, health insurance is off the table for them.
The good news is that this isn’t true. We’ve gathered some insurance facts that can help you get the best health insurance possible even when you don’t have a job. Let’s take a look!
Medicaid Programs
One of the best ways to get affordable health care even when you don’t have a job is through Medicaid. Medicaid programs are healthcare options offered under the Affordable Care Act so that people can receive healthcare regardless of their income level.
Medicaid mainly targets people who fall below the poverty line, but some people may qualify even if they receive income above this amount. Most state insurance commissioners will be able to tell you if you qualify for Medicaid.
Worker’s Compensation Plans
Another way that people can get medical coverage is through their worker’s compensation plan. Many people are actually eligible to receive affordable treatment under their worker’s comp.
If you were injured on the job and are being treated as part of a worker’s compensation claim, your employer is required to offer you healthcare coverage. This can be a huge benefit for people who are currently unemployed but still receiving care under a worker’s compensation claim.
Family Member Insurance Plans
Sometimes, you may be eligible to receive coverage thanks to an existing plan that a family member already has. For example, spouses and dependents can typically receive care under a family plan.
If you’re under the age of 26, you can still be covered by your parent’s health insurance. Even if you don’t have a job, you can still receive coverage under their plan, which can be a game-changer for people who are currently jobless.
Medicare Plans
Similar to Medicaid plans, Medicare is a program offered by the government. However, this healthcare plan is designed for people who are older than 65 and are currently living on social security.
Many of these people are unable to afford health coverage on their own. With a Medicare plan, however, they can receive treatment through the government. This is a great option for older, retired pensioners who are in need of care after leaving their job.
Get the Insurance Facts You Need to Stay Covered
Having all the right insurance facts can help you verify if you’re eligible for coverage or not, even if you don’t currently have a job. This can mean the difference between getting the treatment or surgery you need and suffering through prolonged pain.
If you’re currently looking for a health insurance plan, the team at Future Wise Insurance is here for you. Reach out to us and we’ll make sure we get you set up with the right plan for your specific situation.