Health insurance helps cover the costs of medical and surgical expenses but what exactly gets covered depends on the type of coverage (benefits) you have. There are some programs specifically designed to provide free or low-cost insurance that you may qualify for. The goal of these programs and other similar programs, is to make sure essential health care needs are met for those who may not be able to pay for them.
The Health Insurance Marketplace is a website to purchase health care through the Affordable Care Act, sometimes referred to as “Obamacare.” You can enroll for health insurance through the Health Insurance Marketplace here, if you need help you can call 1-800-318-2596, 24 hours a day 7 days a week. Check out the Market Application Checklist, here, to see some of the documents you may need.
Medicaid provides free or low-cost care for some low-income people, pregnant women, families, children, the elderly, and people with disabilities. Visit their site to see the available Medicaid Health Plans in your county.
CHIP provides low-cost health insurance for children in families who make too much money to qualify for Medicaid. Michigan’s CHIP program is called MIChild. If you are under age 19 or pregnant you might qualify for health and dental services for you and your children. For more info, read over the MDCH pamphlet or call 1-888-988-6300.
Michigan’s Medicaid program covers households with incomes up to 138% of the federal poverty level. That works out to $16,243 a year for 1 person or $33,465 for a family of 4. You can find out whether you qualify for Medicaid in Michigan 2 ways: Visit the state’s Medicaid agency here or fill out an application through the Health Insurance Marketplace. You can apply for Medicaid any time of year.
Fill out an application at the Health Insurance Marketplace to see which programs you qualify for. To see if you specifically qualify for Medicaid or MIChild, visit this site. You can also apply by phone, paper application or with in-person help: Get help with the application process through your local organization.