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Getting the Right Health Insurance for Single Mothers

April 03, 2012 | Comments: 0 | Views: 109

Your health is the most important aspect to your happiness and well being. And, if you are unfortunate enough to get sick, all US citizens know just how expensive medical bills are.

Getting the best health insurance for single moms is very important and it is available to all, especially if you have got kids. Living your life without health insurance can put you in a difficult situation if you get sick, even if you are not a single mother, so its essential to have an insurance policy, just in case.

There are two health plans to consider for proper insurance coverage:1. 'fee for service' and2. managed care plans.

The difference between the plans is that through the pay-as-you-go health plan, you pay for healthcare only for as long as you want to be insured, and the other is a managed care plan, which involves a monthly premium. Although, the managed care plan costs less, you don't choose your own medical provider outside of the internal list. This may not appeal to everyone, so be sure you work out which one you want to join.

The Government Aid Programs Although you will need to go through some sort of qualification process, the federal government and state government provide some form of health insurance for single moms. The main program is called Medicaid. The main health program for children is CHIP (Children's Health Insurance Program). These are family oriented programs for those who cannot afford the cost of private health insurance.

Each US state has its own office with which you need to contact in order to apply. To be eligible, you will need to include the details of your income and the number of persons in your family. With the CHIP and the Medicaid Programs, you could expect to have dental care, visit to doctors, immunizations and medications covered under the policy. Hospitalization is generally included as well as health care for special needs of children. It can happen that you should share some fees but often the programs are designed to afford these things.

Unfortunately in life, you do not know what is around the corner. That is why it is necessary to have a health insurance program for yourself and your children. When you don't have one, this can be a big disadvantage to yourself and your family. The government finds a way to help these people and ensures they have the right coverage they need.

Sally Dover is a contributor and writer to for a website which provides information on financial help for single moms and grants for single mothers

Source: EzineArticles
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