If you are among the many unemployed individuals in Florida, then you might as well explore various options of the best health insurance in Florida available for you and also your family that will include dental services. Note that some health care programs aimed for those with low income will only require you to be a resident of the place even if you only have few assets.
The Florida Kid Care insurance is recommended for those who earn for a living but can’t afford health insurance for their family. It is ideal for those families that have limits as to their income which are twice the federal poverty level. One of its programs includes Medicaid for Children which are entirely free. It is available for households with low incomes that have children below 18 years of age. They also have the Children’s Medical Services Network which is a program that helps children that have special needs as far as health care is concerned; this program extends help to children that have physical and behavioral health problems. Florida Healthy Kids, on the other hand, is a program for kids who are 5 to 18 years old. Lastly, MediKids program cover those who are ages 1 to 4 years old. Note that among these programs, only Medicaid is available for free since 2010; others would require a monthly premium of only 15 to 20 USD.
The Department of Children and Families in Florida provides health care benefits to low income families, pregnant mothers, non-citizens (in case of emergencies), the aged, as well as the handicapped. Children who are below 18 years old and their families may be qualified for this benefit if the assets in their household are below $2,000. Income limits are also set according to the size of the family and the age of the family members. Children below 18 years old may avail if their household qualifies for the requirements on income. Pregnant women, on the other hand, typically gains approval for Medicaid. If these women have income above the income limit, they may qualify for the Medically Needy Program. Non-citizens who are pregnant, on the other hand, may look into an Emergency Medicaid program specifically for aliens. Individuals who are more than 65 years old that have low income can apply for aid should they need help in paying their medical bills.
Florida Blue is among the cheapest health insurance in Florida that is intended for families or individuals who belong to the “low income” category. It offers some of the excellent insurance plans for individuals and families below 65 years old who are Medicare Eligible Individual. Aside from that, you will also get dental benefits as well as life insurance coverage. This insurance company is also an advocate for health promotion among families through their health and wellness programs which include tools for disease management, immunization and vaccination awareness, and health coaching. They also offer consultations that will allow you to understand your condition in-depth, as well as give you options and allow you to choose from them.
It is important to note that basic dental services for adults differ greatly from one state to another. According to Kaiser Family Foundation, states that provide preventive programs including exams and cleanings typically limit these services to 1-2 times annually. Aside from that, most states do not cover restoration services — like crowns and fillings — and orthodontic services are not offered in any state. But, in many states like Florida, basic dental services may include full and partial dentures, and other related services.
In most states, benefits for adult dental services generally only include emergency treatment. A dental emergency pertains to procedures that need to be done for pain relief because of trauma or infection. Although these procedures may vary from state to state, emergency procedures provided by some health insurance in Florida include oral examinations, X-rays, incision and drainage of abscess, as well as tooth extraction.
Children have better dental care services than adults. It is required that all states should provide preventive, restorative, as well as emergency dental services to children who are below 21 years old. However, these services (except oral examination) should be medically necessary as advised by your doctor/dentist. Medicaid regulations, in fact, require states to create a dental screening program that would examine oral cavities of children and refer them to the Medicaid dentist. This dentist is required to give services that are deemed necessary to treat the condition that the examination reveals — whether or not they are included in the insurance plan of that particular state.
The dental benefits aimed at children may include various orthodontic treatments if they are deemed necessary. But, note that the Medicaid office should be the ones making the decision and not the orthodontist. The child is required to undergo orthodontic evaluation in order to determine whether orthodontic treatment is really necessary for the child. The Medicaid office of the state will be the one to do a final review of the child’s case and makes a verdict. If the child’s case is approved by the office, then they will cover the full amount of the bill for the most cost-effective treatment.