4. Health Insurance
a. Types of health insurance (continued)
Government-sponsored health insurance options are also available to certain individuals depending on specific qualifications.
- Medicaid is a federal/state public assistance program created in 1965. It is administered by the states for people whose income and resources are insufficient to pay for health care or private insurance. All states have Medicaid programs, though eligibility levels and coverage benefits vary.
- Medicare is a federal government program for people 65 and older, or those with certain disabilities, that pays part of the costs associated with prescriptions, hospitalization, surgery, doctors’ bills, home health care and skilled-nursing care.
- State Children’s Health Insurance Program (SCHIP) is administered at the state level and provides health care to low-income children whose parents do not qualify for Medicaid. SCHIP may be known by different names in different states.
- Military Health Care includes TRICARE/CHAMPUS (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affairs) as well as care provided by the Department of Veterans Affairs (VA).
- State-specific Plans are available for low-income uninsured individuals. These plans are known by different names in different states.
- Indian Health Service (IHS) is a Department of Health and Human Services program offering medical assistance to eligible American Indians at HIS facilities. In addition, the HIS helps pay the cost of selected health care services provided at non-HIS facilities.