Health is a very important issue today. In the present scenario, health insurance is a must. With soaring medical costs, we cannot afford to be without medical insurance. In California, "Healthy Families" is a low cost health insurance program which gives health insurance along with dental and vision coverage for children. Health insurance is generally too high and many below the poverty line cannot afford to take care of their health because of this. Being concerned about the health of children in the state and wanting them to have all the health benefits, they have started "Happy Families". This goes to show that the state is interested in the people of the state and wants everyone to lead a healthy life.
There are many people who are employed and yet do not have basic health coverage. California's 'Healthy Families' is an insurance plan mainly for children who do not qualify for free Medi-Cal and do not have any other medical insurance. This is run by the state of California and has Federal funding and so the rates are subsidized. The children should be residents of California and should be citizens of the United States of America. They should be naturals or immigrants. They should be less than nineteen years of age. Their families should have income at or less than 25% of the Federal poverty line.
The benefits of being a member of 'Happy Families' are many. All medical expenses of children are taken care of. Children can have regular medical check ups, visit the physician if necessary and use hospital services. Dental and eyesight problems are taken care of. Preventive medical care is given. Regular prescription medicines are also given and children are also eligible for immunization. There are also well baby clinics for the babies. So, all children, right from babies to nineteen year olds are given all the medical facilities needed. Pregnant mothers are covered by this policy. Prenatal care is also taken care of for under-eighteen year olds. Mental health is also covered.
The program is not expensive. The insurance can be used to cover the entire family. The guidelines that are given are different for each family. They differ according to the age of the children and the number of members in a family. They can give their household income and choose the health plan they want. The cost also differs accordingly. The premiums are affordable and have to be paid monthly. They get covered for twelve months by paying a minimum of $4 for a child and $27 for a family. There is a $5 co-payment for some services like going to the doctor for illness. The health check ups and immunization for children is free.
To determine the income of a family they do not take into account any savings or their possessing a car or any other assistance they are receiving from the government. The insurance is given regardless of their status and whether the parents are employed.
To apply for the "Healthy Families' insurance you can call them, write to the 'Happy Families' or visit their website http://www.healthyfamilies.ca.gov/, for further information. An application form has to be filled. The parents of children can fill it, or the children can also fill it. After this is approved, the insurance scheme is put into action.
There are many people who are employed and yet do not have basic health coverage. California's 'Healthy Families' is an insurance plan mainly for children who do not qualify for free Medi-Cal and do not have any other medical insurance. This is run by the state of California and has Federal funding and so the rates are subsidized. The children should be residents of California and should be citizens of the United States of America. They should be naturals or immigrants. They should be less than nineteen years of age. Their families should have income at or less than 25% of the Federal poverty line.
The benefits of being a member of 'Happy Families' are many. All medical expenses of children are taken care of. Children can have regular medical check ups, visit the physician if necessary and use hospital services. Dental and eyesight problems are taken care of. Preventive medical care is given. Regular prescription medicines are also given and children are also eligible for immunization. There are also well baby clinics for the babies. So, all children, right from babies to nineteen year olds are given all the medical facilities needed. Pregnant mothers are covered by this policy. Prenatal care is also taken care of for under-eighteen year olds. Mental health is also covered.
The program is not expensive. The insurance can be used to cover the entire family. The guidelines that are given are different for each family. They differ according to the age of the children and the number of members in a family. They can give their household income and choose the health plan they want. The cost also differs accordingly. The premiums are affordable and have to be paid monthly. They get covered for twelve months by paying a minimum of $4 for a child and $27 for a family. There is a $5 co-payment for some services like going to the doctor for illness. The health check ups and immunization for children is free.
To determine the income of a family they do not take into account any savings or their possessing a car or any other assistance they are receiving from the government. The insurance is given regardless of their status and whether the parents are employed.
To apply for the "Healthy Families' insurance you can call them, write to the 'Happy Families' or visit their website http://www.healthyfamilies.ca.gov/, for further information. An application form has to be filled. The parents of children can fill it, or the children can also fill it. After this is approved, the insurance scheme is put into action.
