According to the article, “Mom’s Policy, Medicaid Or A Health Exchange Plan: What’s A Grad To Do?” by Michelle Andrews explains how Meagan Samuel relies on her mom’s health insurance even though she had a option to choose the employer sponsored coverage. I learn by having health insurance you can receive preventive care including contraceptives at no cost. In the Health Care Delivery class last fall, I also learn that the ACA allows children to stay to stay on their parents health insurance plan until 26 allowing the Medicaid to expand covering individuals with incomes up to 138 federal poverty level. As a result, many young people graduating from college still received health insurance from their parent’s plan. ACA help decreases the rates …show more content…
I didn’t know that because of her mother’s health insurance plan, Samuel only need to pay for copays and out of pockets cost while her mother pays for the entire premium. However, employer sponsored plans are also good, it offer comprehensive benefits, lower premiums, and out of pocket costs. I find it a good thing that parents can also pass the benefits especially to their own family who don’t work or lack coverage. Another good benefit is that you can improve your chances to find doctors and hospital nearby within your health plan providers network. Employers normally offered PPO’s allows workers to choose their own doctors and providers in or out of network. I also find it amazing that if students purchase college health insurance, they qualify for a 60 day special enrollment period to sign up for a new coverage, they can enrolled in the plan regardless if you don’t live with your parents or not married. It’s benefical for students who are not able to get a job right away upon graduation. Majority of people who are unemployed or uninsured ages 19 to 25 are covered through Medicaid. People can apply it through their state Medicaid agency or state …show more content…
Some specialist, examination, or medication will not be covered. Children Health Insurance Program offered affordable health care plans to children and helps cover low family income, but are too high to qualify for Medicaid. The programs provide comprehensive coverage for children at no cost. Since ACA, I learn that CHIP coverage is cheaper and provide better care than the marketplace. I felt surprised learning the cost between the high income and low incomes family on how much they have to pay out of pocket in CHIP versus the marketplace. For example, child with asthma with family income between 100 to 150 federal poverty level pay $284 in the marketplace compared to CHIP, they pay only $27. In higher income families, the out of pocket expenses increases in the marketplace. Family income between 251 and 400 federal poverty level pay $1,227 in the marketplace compared to the CHIP program is $84. The difference price range puts a big impact on those families who can’t pay $1,227, they most likely won’t buy health insurance. I learn low incomes families are protected by the cost-sharing reductions such as deductibles, copayments, and coinsurance are available up to 250 federal poverty level. The cost-sharing reductions help low incomes