State Government Insurance Programs Offered

COBRA

COBRA Consolidated Omnibus Budget Reconciliation Act or COBRA allows employees and their dependents to continue with their group health care coverage for up to 18 months should they lose their coverage through termination, layoff, or other change in employment status.

Pre-Existing Condition Insurance Plan (PCIP)

866-717-5826

PCIP A program under the Federal Government, this aims to provide health insurance coverage to individuals with pre-existing condition. Eligibility – legal US resident – resident of Alabama – without any form of health insurance coverage for at least six months – have at least one of the qualifying medical conditions

Medicaid

SOBRA: 800-362-1504 MLIF: 800-362-1504

Medicaid (MLIF and SOBRA) MLIF – Medicaid for Low Income Families SOBRA Medicaid is designed to provide coverage for children and pregnant women. Eligibility – legal US resident or legal alien – resident of Alabama – not eligible for ALL Kids coverage Income limits: – Pregnant Women: 133% FPL. – Children (ages 0–5): 133% FPL. – Children (ages 6–18): 100% FPL. – Parents or caretakers with children ages 0–18: 24% FPL. – Aged, blind and disabled: Singles with incomes up to 75% FPL and asset limit of $2,000, and couples with incomes up to 83% FPL with asset limit of $3,000

ALL Kids

888-373-5437 334-206-5568 877-774-9521

ALL Kids ALL kids is a health program administered by the state designed to provide coverage to children 18 and below belonging to low-income families without health insurance. Coverage starts on the first day of the next month after application and lasts for 12 months. Benefits of the program include doctor visits, check-ups, hospital care, emergency services, immunizations, prescription drugs, dental and vision care, and mental health/substance abuse services. Eligibility – US citizen or legal immigrant – Children 18 years and below – Not eligible for Medicaid – Unable to acquire coverage – Children 5 years and below must have income between 133% and 300% of the federal poverty level (FPL) – Children 6 and eighteen years old must have income between 100% and 300% of the FPL

AHIP

866-833-3375 334-263-8311

AHIP Two options: Indemnity and Managed Care plans are available under this program. This is designed for individuals who have used up their group plan coverage and cannot qualify for another group coverage application. This program is in compliance with the Health Insurance Portability and Accountability Act (HIPAA). Eligibility – resident of Alabama – previous plan must be a group, government, church, or COBRA – must have at least 18 months of continued health insurance coverage – lapse in previous coverage should not exceed 62 days

AL Child Caring Program

800-726-2289

AL Child Caring Program Program limited to outpatient coverage. Eligibility – applicants must not be eligible for ALL Kids or any other plan – school aged children must be enrolled in a school

Breast and Cervical Cancer Prevention

877-252-3324

Provides coverage for Pelvic exams, Pap smears, clinical breast exam, mammograms, ultrasound, colonoscopy, or biopsy, if needed. Eligibility requirements: – women aged between 40–64 – must be uninsured or underinsured – income must not be higher than 200% of the FPL – women below the age of 40 can have free breast cancer screening aslo9ng as they undergo a clinical breast examination.

Medicare

800-MEDICARE 800-633-4227

Medicare is administered by the federal government and provides health insurance coverage to Americans aged 65 and above or those younger than 65 but have a disability or end-stage renal disease. Coverage has four parts: Part A: provides inpatient care in hospitals and rehabilitative centers. Part B: provides doctor and some preventive services and outpatient care. Part C: provides Medicare benefits through Medicare Advantage. Part D: provides prescription drug coverage. Eligibility: 1. Must be a U.S. citizen or permanent U.S. resident. 2. Must be 65 years or older, with you or your spouse having worked in a Medicare-covered employment for at least ten years; or have a qualified disability or end-stage renal disease, regardless of age.

Health Coverage Tax Credit

866-628-HCTC 866-628-4282

Provides coverage for inpatient care, outpatient care (lab tests, x-rays, etc.), doctor visits, preventive care, major medical care (surgery, physical therapy, durable medical equipment, etc.), mental health and substance abuse care, and prescription drugs. Eligibility requirements: – Must be receiving TAA (Trade Adjustment Assistance) – Must be 55 years or older and receiving pension from the Pension Benefit Guaranty Corporation (PBGC). – Must not be enrolled in other state plans, or in prison – Must not be receiving 65% COBRA premium reduction – Must not be a dependent in tax returns – Must be enrolled in qualified health plans where you pay more than 50% of the premiums. – Individuals who are eligible for the federal Health Coverage Tax Credit can also use their credit funds to purchase a private health insurance product developed by Blue Cross Blue Shield of Alabama.

VA Medical Benefits Package

877-222-8387

The Veteran Affairs (VA) Medical Benefits provides standard health benefits plan to veterans enrolled in the program. Benefits are portable and can be accessed anywhere in the VA system. Benefits include preventive and primary care, and a full range of outpatient and inpatient services. Eligibility 1. Must have veteran status.