Information about low income health insurance in California

Health Insurance cover is not an option. These days, buying a health care insurance coverage has become a crucial one among the basic necessities. Medical costs are no more affordable to the common people. At times of medical emergency you must be able to avail of the appropriate treatment and a health cover will enable you with this opportunity. The government has taken a number of measures to see that the residents of California are covered by suitable medical insurance plans. Every resident must understand the importance of a suitable health care coverage and do the needful to avoid heartbreaks during emergencies for themselves or their family members.

Affordability Care Act enacted by the government is something that you must know before venturing into the arena of health care plans. In a way extending the health care coverage to the uninsured, the Affordable Care Act has come to offer a greater number of choices in front of the customers. In addition, it has also made quality health care affordable to all. The act has created what are called as health insurance exchanges in the state such as Covered California. These establishments provide the avenue for those looking forward to purchase affordable low income health insurance plans. One striking benefit of the act is as follows.

Previously, health insurance providers denied health care coverage to individuals reported with preexisting health conditions. Henceforth, they have been mandated to offer health care coverage to the needy irrespective of the preexisting conditions. One another provision makes it possible to keep the young adults stay covered under their parents’ health insurance policy until the age of 26 or till they get an independent job, whichever is earlier.

The act has also benefited the low income health care policy holders in some more useful ways. The upper limit that the insurance companies had placed on the amount paid by them to the hospitals for certain treatments including hospitalization, maternity, newborn care and rehabilitation services is now lifted off. Also the same arrangement holds good for drug prescription also. In addition, the health care insurance providers must now offer free cover to a set of preventive care services like immunizations, vaccinations, mammograms, HIV screening, blood pressure and cholesterol tests. Senior citizens will get discount for prescriptive drugs. Thus, the host of measures introduced by the act has now made it easier for low income health insurance subscribers to enjoy maximum coverage for a less spending. Therefore, a large number of uninsured individuals have been motivated to purchase a suitable health care coverage for themselves and their families.

There is a special version of Medicaid meant for California citizens implemented by the state namely Medi-cal. This is a federal sponsored health insurance program that is exclusively meant for low income California citizens and their families. The affordable care act has made provisions to extend the benefits of the Medi-cal coverage to low income adults not having any children. Provided the families and individuals meet certain eligibility requirements, Medi-cal will now offer either subsidized or no-cost medical insurance coverage. Thus, a good number of positive developments by the state have made it possible for a large number of low income health insurance seekers to obtain coverage with ease.
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