Health Insurance Through The Health Insurance Marketplace
What help is available?
HealthCare.gov helps you find insurance options, compare care, learn about preventive services, and more. If your employer does not offer insurance, you’re self-employed, or you want to buy your own insurance, you can get it through the Marketplace. The Health Insurance Marketplace offers health, vision, and dental insurance for you and your family.
Am I eligible?
Everyone is eligible for health insurance through the Marketplace. You may also qualify for subsidies to help pay your premiums. If youve experienced a life change like childbirth or loss of a job, you may be able to make changes to your insurance in a special enrollment period.
How do I apply?
How you apply for a plan in the Health Insurance Marketplace depends on what plan you choose. Learn more about applying.
How do I complain or where do I call for extra help?
Visit the Health Insurance Marketplace’s top questions section for more help with finding or applying for health care. To file a complaint, call .
Is there anything else I need to know?
If you need more help getting or paying for medical care, try these resources:
You may qualify for financial assistance programs to help with eye exams, surgery, prescriptions, or glasses.
If you are uninsured or underinsured and must seek emergency medical treatment:
What Do We Do
The HCAP helps people who do not have medical insurance with their medical bills. There is an application process.
To qualify, you must meet these criteria:
- You must apply within 180 days of incurring your medical bills.
- You must be a resident of San Juan County for at least 90 days.
- Non-citizens can apply but must have “Legal Permanent Resident” status.
- There is an income limit – see HCAP Program Information for details.
- There is a limit on your personal assets – see HCAP Program Information for details.
- You must have applied for Medicaid and not qualified
For more information, contact the HCAP Office at 334-4288
In 2019, the San Juan County Commission authorized an analysis of gaps in Behavioral Health Services in the county. The resulting study is available here, and has lead to the hiring is San Juan County’s Behavioral Services Director.
Unemployment Insurance And Covid
Unemployment insurance is a joint federal and state program that pays part of your wages when you lose your job through no fault of your own. Individual states run the program, each with its own eligibility and filing requirements. Many allow you to file online, by phone, orin person, though the COVID-19 pandemic has temporarily halted in-person applications in many places. Some states provide extended benefits when unemployment is high. But that doesn’t necessarily mean you qualify for extended help.
The federal government provided relief for unemployed individuals during the pandemic through three special programs:
All three of these programs officially expired on Sept. 5, 2021. Eligible individuals may still qualify for unemployment claims as long as they are still unemployed and are within the first 26 weeks of their UI benefits.
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About Government Health Care Programs For Parents And Children
If you live under the poverty line and require health care services, you may be eligible to receive benefits through the Medicaid program.
Individuals who may qualify for Medicaid include the following:
- Low-income parents and their children
- Pregnant women
- Medically needy individuals
However, to enroll in Medicaid and receive long-term health care through the program, you must meet specific requirements stipulated by the federal government.
In addition, private sector health care providers will often work in accordance with the Medicaid program to ensure equal coverage to individuals who are receiving health care through this government-sponsored program.
Low-income individuals who are younger than 18 years of age and do not have a primary source of insurance may qualify to receive health care through the Childrens Health Insurance Program .
For instance, if your total household income exceeds the maximum eligibility stipulated by Medicaid, you may enroll your children in CHIP in order to ensure that they will receive the health coverage that they need.
Furthermore, if you have previously qualified for Medicaid benefits, you can combine the benefits provided by CHIP alongside your existing health care plan.
Other Types Of Benefits And Programs For The Unemployed
Federal agencies offer many unemployment education and training programs. They are generally free or low cost to the unemployed.
Self-employment assistance programs help unemployed workers start their own small businesses. Delaware, Mississippi, New Hampshire, New York, and Oregon offer this program.
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Vita And Tce Tax Filing Assistance Programs
The IRS has two in-person tax assistance programs: the Volunteer Income Tax Assistance program and Tax Counseling for the Elderly . Both offer free tax-preparation assistance to qualified individuals. VITA generally applies to you if your income is $57,000 or less, you are disabled, or you have limited English-speaking skills. TCE is for citizens aged 60 or older.
You can find VITA and TCE program sites using either the IRS TCE/VITA locator tool or the AARP Foundation Tax-Aide site locator tool.
Due to the coronavirus pandemic, all TCE sites and many VITA sites are closed until further notice. Use the VITA locator tool to find out if a site near you is open.
Learn About The Types Of Food You Can Buy With Snap Benefits
If youre eligible, you can purchase food using benefits that are issued to you monthly. You can use your SNAP benefits to buy a variety of foods for your household, including:
Fruits and vegetables
Breads and cereals
See the United States Department of Agriculture’s list of foods and products you can buy using SNAP benefits.
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Us Department Of Agriculture
The USDA offers a number of programs aimed at all sectors of the agricultural community. Programs include farm loans, housing assistance,loans and grants for rural economic development, loans for beginning farmers and ranchers, livestock insurance, and more.Detailed information on all USDA programs, including how to apply, can be found on the USDA Grants and Loans program webpage.
Find Out If You Qualify
If you have MNsure or MinnesotaCare
If your income has changed, your coverage might have changed. We need to know about any changes to your income to make sure you get the correct coverage.
If you do not have MNsure or MinnesotaCare
If you have lost or will lose your health insurance, you might qualify for a Special Enrollment Period . Other qualifying life events might also let you use the special enrollment period. Find out more information on the MNSure Special Enrollment Period web page.
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Emergency Broadband Benefit Program
The EBB opened for enrollment on May 12, 2021, and provides a monthly discount of $50 to $75 for households that qualify. The program also grants a one-time discount of up to $100 toward a new laptop, desktop, or tablet purchased from participating providers.
Your household is eligible if at least one member meets one of the following criteria:
- Has income at or below 135% of the current Federal Poverty Level or participates in certain assistance programs, such as SNAP, Medicaid, or Lifeline.
- Is approved to receive benefits under the free and reduced-price school lunch program or the school breakfast program, including through the USDA Community Eligibility Provision in the 2020 to 2021 school year.
- Received a Federal Pell Grant during the current award year.
- Experienced a substantial loss of income due to job loss or furlough since Feb. 29, 2020, and the household had a total income in 2020 at or below $99,000 for single filers and $198,000 for joint filers.
- Meets the eligibility criteria for a participating provider’s existing low-income or COVID-19 program.
To apply, do one of the following:
- Contact a participating broadband provider directly to learn about its application process.
- Go to GetEmergencyBroadband.org to apply online and to find participating providers near you.
The EBB program is scheduled to end six months after the Department of Health and Human Services declares an end to the pandemic, or if the program runs out of funds.
Newfoundland And Labrador Prescription Drug Program
The Newfoundland and Labrador Prescription Drug Program provides assistance in the purchase of pharmaceuticals, and some related medical supplies to residents who qualify for benefit coverage. The focus of the program is that residents of the province should not be denied access to health care because of financial need.
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Learn About The Childrens Health Insurance Program
If your income is too high for Medicaid, your child may still qualify for the Childrens Health Insurance Program . It covers medical and dental care for uninsured children and teens up to age 19.
Is my child eligible for CHIP?
CHIP qualifications are different in every state. In most cases, they depend on income.
How do I apply for CHIP benefits?
You have two ways to apply for CHIP:
Fill out an application through the Health Insurance Marketplace.
What else do I need to know about CHIP?
You can apply for and enroll in Medicaid or CHIP anytime during the year.
Therapeutic And Professional Services
Professional staff at the RHAs provides a range of therapeutic and professional services in a variety of settings which support persons with disabilities. Specific referrals and eligibility criteria must be met to access some services. Staff may include social workers, nurses, behavioural and child management specialists, dieticians, occupational therapists, physiotherapists and laboratory technicians.
For more information on accessing this service contact your regional health authority
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Primary And Specialty Health
- County Indigent Health Care Program helps low-income Texans who do not qualify for other state or federal health care assistance programs.
- Epilepsy Program helps ensure people with epilepsy or seizure-like symptoms have access to outpatient services.
- Hemophilia Assistance Program helps Texans with hemophilia cover their medical bills.
- Kidney Health Care helps people with end-stage renal disease pay for their treatment.
- Primary Health Care Services Program helps ensure that eligible Texans have access to primary health care services.
- Title V Maternal and Child Health helps low-income women, children and adolescents who are not eligible for Medicaid, CHIP or CHIP Perinatal.
What Is Medical Assistance
Medical Assistance pays for medical care for very low-income Minnesotans. There are eligibility requirements for the program. Federal and state dollars pay for MA. In 2011 Medical Assistance expanded its coverage to provide coverage to more low income adults. The General Assistance Medical Care program ended.
How do I apply for Medical Assistance?
To apply for MA, call or go to the human service agency in the county where you live. toward the end of this brochure. You can apply even if you are not sure that you are eligible.
When you apply, you will fill out an application form and be asked for proof of some of the information you give. You also will talk with a person who works for the county agency. There are people at the county who can help you fill out the application. You can print a copy of the application from the Web at Minnesota Department of Human Services and mail it in.
Your county agency will let you know if you are eligible for assistance within 45 days . If a decision is not made in that time, the county agency will explain why in writing.
If you are found to be eligible, the county will enroll you in the MA program. Every six months a county financial worker will review your situation to see if you are still eligible for health care assistance. You must complete, sign, date and return all forms sent to you by your county agency. If you do not, you will lose your Medical Assistance.
Your financial worker may ask you to provide:
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Fannie Mae And Freddie Mac Loans
For mortgage loans backed by Fannie Mae and Freddie Mac, the Federal Housing Finance Agency has extended the foreclosure moratorium on real estate owned evictions until Sept 30, 2021. REO properties are bank-owned properties that were seized as a result of default.
Meanwhile, the Secretaries of USDA, HUD, VA, Treasury, and FHFA Acting Director extended foreclosure moratoriums for those agencies through Sept. 30, 2021.
Veterans Administration Health Care
The primary criteria to receive VA health care benefits require that you be a military veteran or former member of the National Guard or Reserve who served on active duty and was not dishonorably discharged. Specific eligibility depends on when you served and for how long. The rules are complicated but well explained on the VA’s eligibility webpage.
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Data Extraction And Analytic Strategy
A standardized form was used to extract relevant data from the included studies. We extracted the following information from each study: title, authors, year of publication, country, data source, sample size, main research question, study design, health outcome, and main findings. Two authors extracted the data independently. The results of the extraction were shared and discussed with the entire research team. Disagreements were resolved as a team through discussion and consensus. The extracted data was used to summarize the key features of the selected literature and synthesize the available evidence across studies. The entire research team collaborated to identify empirical patterns based on this summary and synthesis.
Cons Of Student Financial Aid
- Loan repayment required
- Lifetime limits on Pell Grants
- Private loans are more expensive and restrictive
- Defaulting on loans hurts credit
Due to the COVID-19 pandemic, student loan payments, including principal and interest, on federally held student loans were suspended through Sept. 30, 2021, and extended again through Jan. 31, 2022. On Dec. 22, 2021, the pause on federal student loan repayments was extended for an additional 90 daysthrough May 1, 2022. However, the suspension only applies to federal student loans held by the Department of Education.
The Department of Education also stopped the collection of defaulted federal student loans. This applies to loans in nonpayment. As a result, garnishment of wages and any offset of tax refunds and Social Security benefits have also been stopped through May 1, 2022.
The American Rescue Plan passed by Congress and signed by President Biden in March 2021 includes a provision that makes all student loan forgiveness from Jan. 1, 2021, to Dec. 31, 2025, tax-free.
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Important Update Regarding Submission Of Claims
The Coverage Assistance Fund stopped accepting claims for vaccine administration due to a lack of sufficient funds. Confirmation of receipt of your claim submission does not mean the claim will be paid.
*Submitted claims will be paid subject to the availability of funds.
For additional information, visit:
- Requirements for COVID-19 Vaccination Program Providers CDC guidance for providers administering COVID-19 vaccines
View the list of providers who have received a reimbursement from the HRSA COVID-19 Coverage Assistance Fund program.
The Biden-Harris Administration is providing free access to COVID-19 vaccines for every adult living in the United States. Accordingly, the Health Resources and Services Administrations COVID-19 Coverage Assistance Fund will cover the costs of administering COVID-19 vaccines to patients whose health insurance doesnt cover vaccine administration fees, or does but typically has patient cost-sharing. While patients cannot be billed directly for COVID-19 vaccine fees, costs to health care providers on the front lines for administering COVID-19 vaccines to underinsured patients will now be fully covered through CAF, subject to available funding. As vaccination efforts accelerate, patients will increasingly gain access to COVID-19 vaccines at locations near where they live with providers they trust.
From The Ministry Of Health
The B.C. Ministry of Health is responsible for making sure that all British Columbians have quality, appropriate, cost effective and timely health services. The British Columbia health system is one of our most valued social programs virtually every person in the province will access some level of health care or health service during their lives.
The ministry works with health authorities, health care providers, agencies and other organizations to guide and enhance the provinces health services to ensure that British Columbians are supported in their efforts to maintain and improve their health.
The ministry directly manages a number of provincial programs and services, such as:
- HealthLink BC – a confidential health information, advice and health navigation system available by telephone or online.
- Office of the Seniors Advocate – a service for resolving issues seniors may have accessing health care or with the care they have received.
- Medical Services Plan – the provincial health insurance plan that covers most physician services.
- CareCards – identification cards with unique lifetime personal health numbers.
- PharmaCare – the province’s prescription drug insurance plan.
- BC Vital Statistics Agency – registers and reports on vital events such as a birth, death or marriage.
For a full list of all the Ministry of Health programs and services, go to:
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Clinics Health Organizations And Resource Centers
HHS works with federally qualified health clinics, medical associations, community partners and local governments to help clients find the health care they need.
- Aging and Disability Resource Centers can help Texans find personal care, nursing care, help at home and other long-term care services.
- Community Resource Coordination Groups help people whose needs cant be met by one single agency and who would benefit from interagency coordination.
- Find a drug store that accepts prescriptions paid for by Medicaid or the Children’s Health Insurance Program.
- Family and Community Health Services Clinic locator allows you to search for clinics that serve people who need a health care provider for epilepsy, primary health care, child health and dental, and prenatal medical and dental.
- Texas Local Public Health Organization directory is a listing of local health departments, public health districts and local health units in Texas.