Assistance in Obtaining Insurance Coverage

High Risk Insurance Pools

Health insurance risk pools are special programs created by state legislatures to provide a safety net for people with pre-existing medical conditions. Each state operates its risk pool differently, although many share common features. Generally, the pools operate as nonprofit associations governed by a board of directors made up of industry, consumer, and state insurance department representatives.

SCHIP

Kids who do not currently have health insurance are likely to be eligible, even if you are working. Your state, and every state in the nation, has a health insurance program for infants, children, and teens. The states have different eligibility rules, but in most states uninsured children 18 years old and younger, whose families earn up to $34,100 a year (for a family of four), are eligible.

Medicaid

Medicaid is a jointly-funded, federal-state health insurance program for certain low-income and needy people. It covers approximately 36 million individuals including children; the aged, blind, and/or disabled; and people who are eligible to receive federally assisted income maintenance payments.

Medicare

Medicare is a health insurance program for people 65 years of age and older, some disabled people under 65 years of age, and people with end-stage renal disease (permanent kidney failure treated with dialysis or a transplant).

Medicare Supplements

Medicare Supplements or Medigap insurance is available in all states, with several states providing guaranteed issue to the disabled under 65 population. These supplements provide a benefit of 20% to pay the difference between the fee charged and the Medicare Part B coverage.

The ACCESS program helps families navigate the often complex maze of state and federal entitlement programs, as well as eligibility for health insurance through state high-risk pools and other alternatives, and through group health insurance continuation under federal law (COBRA and HIPPA).
Contact: 1-888-700-7010 Toll Free

Patient Services Inc – PSI 1-800-366-7741

Patient Services Incorporated is a non-profit organization with a mission to assist persons with specific medical disorders in obtaining third party medical coverage. PSI’s two objectives are to provide and/or subsidize health-insurance premium costs and ancillary and support services not provided by other agencies.

About the Patient Assistance Program

The Patient Assistance Program provides medically necessary therapies to qualified patients who are uninsured, underinsured, or for those individuals who cannot afford their prescribed therapy.

Insurance Appeals Process

A description of the appeal process that shows the necessary steps and the proper organization needed to file an appeal or grievance.