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The uninsured option

making healthcare affordable
making healthcare affordable
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Paying for healthcare now days is like having a second car note, and many families simply just can’t afford it. Families often face making the difficult decision to hold off on the annual checkups and teeth cleanings, and pray that they remain healthy for at least one more year. In Southeast Michigan alone, more than 500,000 people are without health insurance, and that number continues to increase as employment decreases in the area. Fortunately, there are places to turn for help, and ways to get around not having insurance. These are only short term fixes, but in this economy, they’re worth more than gold.

The state of Michigan offers healthcare to individuals who cannot otherwise afford it. This program is known as Medicaid, and has been around for a long time. The word “Medicaid” often creates a negative image in the minds of those who have always been fortunate enough to pay for their health insurance; however, Medicaid has come a long way. People with Medicaid don’t have to wait in the back of the clinic to see a doctor, nor do they receive inadequate healthcare. In fact, many Medicaid recipients have a choice of health plans to pick from. In order to see if you qualify for the Medicaid program, contact your local Family Independence Agency (FIA).

Another state funded health insurance program is MiChild. This is a program is designed to insure the children of working families. MiChild insurance covers basic health and dental care for kids, and this coverage also comes with the option of choosing health plans. The most important piece of information about MiChild is that it only costs $10 per month. This could surely be a sigh of relief for quite a few households in Michigan. You can apply for MiChild online, or call 1-888-988-6300.

The Detroit Department of Health and Wellness Promotion offers several programs for the uninsured. With three different clinics located in Detroit, healthcare for many in the city is just a step away. These programs range from preventive healthcare to dental care. The Herman Kiefer clinic treats thousands of uninsured patients yearly. This clinic also houses a pharmacy where many of its prescriptions are just $6 per bottle. To find out more information about these clinics, visit the Department of Health and Wellness Promotion at www.dethealth.org

Not having the resources to pay for your own healthcare does not make you a bad person, nor does it mean that you’re lazy or irresponsible. Not seeking out the resources available to you does make you irresponsible, and yes, possible lazy. Here’s the bottom line; take full advantage of any programs that you qualify for. This is part of the reason you pay taxes. Don’t be too proud to ask for help. Hard times could fall upon anyone at anytime.

If you would like to speak with a professional about these and other healthcare options, please send an email to twells@rpprofessionals.com

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