Everyone wants to get free health insurance as soon as possible because healthcare costs a fortune even if the expense is rare. Getting free health insurance is probably the best thing possible. A Health Insurance plan takes care of the miscellaneous costs that you have to pay when you meet an unfortunate accident, fall severely sick, etc.
Importance Of Health Insurance
We live in an uncertain time – 2020 was evidence enough. With the increased lifestyle based risks and healthcare costs, the importance of health insurance is worthy of stressing upon.
Unfortunate situations don’t knock at your door but can have strong repercussions, even more so with the huge surge in medical bills already, that will only keep increasing. Health Insurance becomes even more important, as our age keeps increasing since older people are more susceptible to illnesses. Therefore, health insurance acts as a shield to protect you and your loved ones from the financial emergencies and unfortunate crunch. Therefore, it is mandatory to get a free health insurance quote. But before we delve further let’s understand the need for free health insurance.
Need Of Free Health Insurance
A lot of people may not have the financial power to provide for their medical necessities, especially with the high medical costs of today. The person may be between jobs, unemployed, below the poverty line or simply still a student with a huge debt on his/her shoulders. But, everyone is always in need of a health cove. So it is always prudent to find ways to acquire free medical insurance.
Ways To Get Free Health Insurance
- Medicaid – It is a federal and state program that was started to pay for the medical expenses of anyone with limited financial power. It also offers benefits, which Medicare may not cover, normally (like costs of Nursing Home and Personal Care). Once the Affordable Care Act was passed, anyone living below the poverty line is now eligible for receiving Medicaid, including any adult without a child.
- COBRA – The Consolidated Omnibus Budget Reconciliation Act, better known as “COBRA”, has now made it possible to continue with your last employers’ health insurance, via COBRA, in case you’ve been laid off or had your wages drastically cut. College-going students can be covered by their parents’ Health Insurance through COBRA. It is free medical insurance for the unemployed.
- Medicare – This is USA’s National Health Insurance program, that was started in 1966, under the Social Security Administration. It is free medicare for all. However, the Centers for Medicare and Medicaid is now responsible for it. In case your age is 65 or more, or if your age is less than 65 and are receiving Social Security Disability benefits or you have some diseases, you should qualify for free Medicaid insurance. There are even 0$ monthly premiums under this program.
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The Health Insurance Marketplace – The Affordable Care Act has increased the opportunities for people with any kind of pre-existing conditions. It has made it compulsory for the marketplace plans to cover the treatment of pre-existing medical conditions. So basically, insurers cannot reject you, or charge extra for it, or even refuse to pay.
- Workers’ Compensation and Discount Cards – Under the Workers’ Compensation Program, the employer is bound to pay for the treatment of any work-related injury. You can apply for free health insurance for college students here.
Also, in case you have exhausted all other methods of compensation, try to opt for Health Insurance Discount Cards, which offer health services that are negotiated and low-cost. There can be a nominal monthly fee to pay for a membership, but your medical bills are drastically discounted.
Make sure that you get yourself Health Insurance before the need arises. There are options that require arguably, no payment. Always keep the option of free emergency medical insurance available.
