Health care is becoming more expensive each day, the incidence of disease and accidents have gone up and there is chance of unexpected serious illness. The cost of health care, consultancy and service can be really high and this can become a financial burden in person who does not have a health insurance policy. The health insurance plan from a private company cannot be afforded by a large majority of people. So, how can they avail good healthcare? There are public health insurance policies available for these people.
The health plus policy is the plan providing affordable and free health services to the citizens of New York. The health plus plan provides insurance to the entire family depending on the number of members and the yearly household income. The health plus plan are for citizens who are not eligible Medicaid plan (insurance plan for the needy) as they have a higher income. The health plus policy is provided as family health plus plans and child health plus plans.
Family health plus plans is a public insurance plan run by department of health, New York. It is available to single adult, childless couples and parents. It provides health care insurance to individual in the age group 19 to 64 who does not have any other health benefit plans or employee benefit plan. These plans cover general health care, regular check up, hospitalization, dental services, medication and other health services. It meets both inpatient and outpatient services including ambulance in case of emergency.
The department of health offers the Child Health Plus plan which is the health service provided for children below 19 years of age. To be included in the Child Health Plus plan, the child should be a resident of New York; they need not be a New York citizen. The child should not have any other health benefit plans or insurance so as to be included in this plan. It provides free or low cost insurance to ensure that all their health related problems; they are taken care of from infancy to teenage.
It is affordable to most families as the premium to be paid is very low and the remaining is paid by public funds. The enrollment to Child Health Plan is easy and the application has to be filled out either by parents or grandparents and the coverage should be renewed each year. There are two types of child health plus plans Plan A which provides Medicaid and Plan B which is the proper health plus plan. The child can fall into either of the two plans depending on the monthly family income.
The child health plus includes preventive care like regular checkups and routine immunization. It provides emergency care in case of any unexpected disease condition including hospitalization, surgery, x rays and scans. All the inpatient and outpatient services are also taken care by this plan. It gives the benefit of prescribed drug coverage also. The child health plus is administered by the Blue Cross Blue Shield across the country, they have been the pioneer in providing health services since 1835.
Thousands of physicians and specialist are registered under the health plus plan and health care services are provided through them. The provider of child health plus plan includes primary care providers, specialist care providers and ancillary providers. The person requiring the benefit of the child health plus plan can choose the doctor they wish to consult from the list of providers. The physicians in most localities are available under this plan and you can choose the one in your locality as your health care provider. The child health care is provided under cdphp; capital district physicians health plan. It is a health care organization in New York that has a large network of people providing different health care services. The cdphp was started in 1984 as a nonprofit health care organization in Albany.
The Hudson health plan is a similar non - profit organization which is the premier providers of health care in Hudson Valley. It provides excellent health coverage for medical and dental services. Such health care plans are indeed very helpful to people who cannot avail the quality treatment and health insurance otherwise.