Health Care Insurance

You work hard to provide for your children and want to make sure they grow up strong, smart and healthy. But like many parents whose children don’t have health insurance, you worry about taking care of them.

Now, you may have one less thing to worry about. Your state, and every state in the nation, has a health insurance program for infants, children and teens. The insurance is available to children in working families.

For little or no cost, this insurance pays for:
doctor visits,
prescription medicines,
hospitalizations, and
much more.

The State Children’s Health Insurance Program (SCHIP) is a partnership between the Federal and State Governments that provides health coverage to uninsured children whose families earn too much to qualify for Medicaid but too little to afford private coverage.

All states provide immunizations and well baby/well child care at no cost and may cover much more.

The Federal government establishes general guidelines for the administration of SCHIP benefits. However, specific eligibility requirements to receive SCHIP benefits, as well as the type and scope of services provided, are determined by each individual State.

You must check with the SCHIP office in the state you live in to confirm your family’s eligibility to receive benefits.

Important: Names for this program vary by state. If you are not sure which office to contact, contact the main Medicaid Hotline in your state and ask for the office that deals with children’s health insurance.

General Program Requirements:

In order to qualify for this benefit program, you must be under 19 years of age, not covered by health insurance (including Medicaid), a US national, citizen, legal alien, or permanent resident, and you must have an annual household income before taxes of less than:
$17,961 if one person lives in the household;
$24,241 if two people live in the household;
$30,521 if three people live in the household;
$36,801 if four people live in the household;
$43,081 if five people live in the household;
$49,361 if six people live in the household;
$55,641 if seven people live in the household;
$61,921 if eight people live in the household;
$68,201 if nine people live in the household;
$74,481 if 10 people live in the household;
$80,761 if 11 people live in the household;
$87,041 if 12 people live in the household;
$93,321 if more than 12 people live in the household.

Program Contact Information:

To learn more about the SCHIP program and the specific eligibility requirements and program benefits in your State, visit:

http://www.insurekidsnow.gov

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Term life insurance is a valuable financial safety net for you and your loved ones. There are a handful of options available depending on your age and overall health. Choosing the right term life insurance for you specific needs is a very important decision that shouldn’t be taken lightly. Following are some considerations that need to be addressed.

 

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First and foremost, you need to decide which company will hold your account. This is the primary decision in any term life insurance policy. Not all companies are created equally and not all benefits are the same. It is best to consider reputable insurance companies that have stood the test of time. I know that the possibility of saving a few dollars each month can be appealing but you really want to work with a reputable corporation that has a sound resume. Customer loyalty is a big indicator that you are dealing with the right organization for your term life insurance policy.

Once you have settled on a specific provider, you can begin working out the details of your policy. Term life insurance comes in a few different forms and you can work one-on-one with a representative to help you decide which program is right for you. The primary reason that many of us look to term life insurance is to save money. These temporary policies are designed to help individuals obtain adequate coverage for relatively little money. The policy has a definite start date as well as a specific ending as well.

Term life insurance policies range from five year terms all the way to thirty year terms. There is sure to be an option that is ideal for your specific need in this wide range. Many people opt to adopt a term life insurance policy while they are raising children for added protection. These family-rearing policies are typically ten years in length. Others want to adopt a viable policy that will span the length of their adult lives.

 The thirty-year policy is ideal for people who want the additional protection for a significant amount of time. The duration of the term life insurance policy depends on your specific situation. Another thing to consider is the payout in the event of your death. The benefits vary and you can expect to pay more each month for larger settlements, of course. Those who are using the term life insurance for added protection may want to consider a smaller benefit package.

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The majority of homeowners never stop to consider what would happen if they suddenly didn’t have the ability to make their mortgage payment. Everyday people find themselves facing sudden illnesses, a death in the family or a natural disaster that prevents them from having the necessary funds to pay their mortgage. With mortgage protection insurance all homeowners can have the extra protection they need.

Many of those who buy a house and finance a mortgage are young and very healthy. They really don’t foresee anything happening that could interfere with their ability to hold a job and make money. However, illness and accidents to happen and unless you have mortgage protection insurance in place, you are likely still responsible for making your full mortgage payment even if physically that’s not possible.

A common problem that people find themselves facing is being hurt in a car accident. Auto accidents can be very serious and depending on the job you do, you might not be able to go to work for several weeks or months. Although you are likely to realize a monetary settlement from the accident if you weren’t at fault that can take years. In the meantime you have a mortgage to pay and no job to do that.

If you have mortgage protection insurance that includes accident coverage, your mortgage payments will be made until you can return to work. Illness is much the same. Cancer, heart disease and strokes strike people of all ages, all the time. Serious illnesses typically prevent a person from working in any capacity.

Without a regular salary coming in they can face the reality of losing their home to foreclosure. With mortgage protection insurance, they can apply for coverage once they can no longer work. Typically a doctor is assigned to the case and his or her findings will help determine how long coverage will be extended for. For a family already facing the hardship of a life-threatening illness, having to worry about losing their home shouldn’t be a concern at all.

Most companies that offer funding for homes will have these types of policies available. The representative that you work with during the loan process will usually initially ask you about whether you are interested in mortgage protection insurance. Many homeowners turn it down because they are concerned with saving the few dollars a month it would cost. It’s certainly a personal decision but it’s incredibly important to weigh the benefits of having mortgage protection insurance against what could possibly occur if you didn’t. Think about the long term effects of a serious illness or accident and just what your family may risk losing if you don’t have the mortgage protection insurance in place.

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