Child health insurance in Florida for American Indians
Reader question:
I’m an American Indian living in Florida. Are my children eligible for KidCare Florida health insurance?
Sam
It depends.
If you are a Native American, then it will still depend on your income and other eligibility requirements to determine whether or not your children are able to get KidCare Florida health insurance, such as determining whether or not your child is provided with health care insurance through your employer. If you otherwise meet the eligibility rules, then your children probably will be able to get insured through KidCare child health insurance.
The great thing about getting KidCare child health insurance if you are an American Indian is that it has pretty much no cost. Unlike other KidCare recipients, who must pay a monthly premium as well as some co-payments and fees for doctor visits and prescriptions, if you are an American Indian the service is entirely free, with no monthly charge nor co-payments. Call the Florida Office of Insurance Regulation to find out if your child is eligible.
Cheers,
Fashun Guadarrama.
Should I get cheap health insurance with an Indiana PPO?
A great benefit of cheap health insurance Indiana PPOs is that you only pay your medical providers the PPO’s negotiated rate for services. For example, I recently had an upper GI which cost thousands after hospital, doctor, anesthesia, and pathology bills started rolling in.
The physician’s charge alone was $650 for the fifteen minute procedure. My PPO cut the bill down to $167. So even though I hadn’t met my $4,000 deductible for the year yet, I only had to pay $167, not the doctor’s entire bill. That one adjustment alone more than paid for my family’s cheap health insurance Indiana premium for one month.
Of course, by the time I finished paying all of the related charges, I had met my $4,000 deductible. I hadn’t met it the previous two years, and I wasn’t planning on spending that much on medical expenses this year either. That is what insurance is really for…those surprises that can cripple us financially in the blink of an eye.
So I may pay a little more for every day doctor visits (which the PPO also adjusts to huge savings) for carrying a high deductible, but being part of the PPO network makes it worthwhile.