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Asked: Apr 30, 2010

We Do Not Qualify for Low Income Plan. Please Help.

I am a family of four only one parent is working my husband was laid off, one income coming in for food and other bills, we were covered under him for health insurance but none of us has any. I did not go to my doctors app. over two years l have a lump on my breast which l used to do my mammogram every si months, l have problems with my leg and foot, blood pressure is high and the list goes on. I can not afford health insurance for myself and family can some one help me to go about getting some kind of insurance for my family and l. Husky said my medical bills have to be over $6,000 over before they can help. Out of my weekly check they are taking out medicare. Can someone please help.

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Plan Types: In Other

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Answers

We are not familiar with the medical bills requirement under the Husky program. Apparently, your family income is too high to qualify for the Husky A (full medicaid) program, so they are providing you with an option for health care assistance under a subsidy program. Medicaid funding is limited and usually only available to families that are 100% below the federal poverty level. If you have already contacted your state medicaid program for assistance, your other options may be limited. You might consider enrolling your children in the Husky program and then consider alternatives to insure yourself and your husband. The cost of insuring them should be minimal and something you should definitely do, even if you can't get insurance for yourself. If you have Small Business through your employer, perhaps you and your husband can join that health plan and apply for the financial assistance program to help pay the premiums. With your list of pre-eisting conditions, it would be difficult to find and insurance company offering Individuals that will approve your application and accept you for coverage. A group health plan is guaranteed coverage, but there may be waiting periods on pre-eisting conditions if you have been without insurance for more than 63 days. You might also try to contact CMS to see if they can make any suggestions. Here is their website http://www.cms.hhs.gov/Cont..
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Answered: May 02, 2010

 

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