There are several medical government programs that are aimed at helping the poor, pensioners, war veterans and other categories of citizens who are socially vulnerable.
The most common programs are Medicaid and Medicare.
Medicaid is not intended for those who earn more than the subsistence minimum. It is designed for free or low-cost medical care to those in need. Medicaid is processed by the state government, and there are laws and regulations depending on your location.
Who is eligible for Medicaid:
- Pregnant women and mothers: if you have a child, regardless of whether you are married or single, you can get medical care for yourself and your child;
- Parent of a minor: if you have a child under the age of 18, you can apply for health insurance depending on your financial situation. You will also get help with your insurance if your child needs home care due to illness;
- Disabled people: this also applies to elderly people;
- Low-income people: if you do not fall into any of the categories above, you will still be able to receive medical care if you have a low income.
Medicare is a program designed to help people over 65, as well as some young people who have certain health problems. The program is funded by a portion of the payroll tax levied on both employees and employers. It is also partly financed by monthly contributions deducted from Social Security benefits. The program helps pay for medical care, but it does not cover all medical expenses or the cost of most types of long-term care. Currently, Medicare is divided into four parts:
- Part A: paid time spent in a medical institution, and services;
- Part B: helps pay for the services of doctors and other specialists, outpatient treatment, home medical services, durable medical equipment and some preventive services. You need to pay a monthly fee;
- Part C: known as Medicare Advantage, it offers the benefits of Parts A, B, and D and is managed through private insurance companies;
- Part D: covers Prescription Drug Coverage. It’s an optional part, you can arrange it separately or get it together with part C.
Important Phone Numbers
Call to change your health care provider, change Medicaid plans or to get a copy of the Member Handbook or visit them online at www.healthcolorado.org
El Paso, Park and Teller Counties:
719-471-7080 x 113