Medicaid is a federal and state program in the U.S., designed to provide assistance to the poor with medical expenses. Services such as nursing home care and personal care, which are not covered by Medicare are also included in Medicaid. Low-income adults, their children, and certain people with disabilities are all considered qualified recipients of the program. Poverty, however, is not necessarily a sufficient condition to qualify for Medicaid.
CHIP, short for The Children’s Health Insurance Program, is one of the best options for single parents to obtain low-cost health coverage for their children. If the income of the family is too high to be qualified for Medicaid, this program will be the choice second to none. Single parents can either call 1-800-318-2596 or fill out an application through the Health Insurance Marketplace to apply for CHIP. But rules of the program in each state vary as to the standards for qualified recipients.
- The Insurance Marketplace
If neither Medicaid nor CHIP is available, single parents may still be able to get help from the Insurance Marketplace. Families with an income of no more than 4 times of the federal poverty level can be granted a premium tax credit, which can either be applied to the insurance premium, or claimed filing they file federal taxes.
- Short-Term Health Insurance
Single parents can also consider the short-term health insurance, an insurance plan program that is available for people who are between jobs and have no health insurance plan for the time being. It should be a valid option if you are in urgent need of the coverage and the new health insurance plan has yet taken effect.