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Featured ArticleMedicaid
Health Insurance for Seniors, People who are Blind or Disabled,
and Children, Pregnant Women, and Parents
What is Medicaid?
Medicaid is health insurance for seniors age 65 and over; people who are blind or
disabled; and children, pregnant women, and parents or caretaker relatives.
Who is eligible?
People who meet certain income and resource guidelines and who are:
- Aged - Age 65 or older.
- Blind or Disabled - Receiving Social Security Disability benefits or determined
disabled by the Agency of Human Services' Disability Determination Unit.
- Children, pregnant women, and parents or caretaker relatives - Meeting certain
household eligibility tests related to Temporary Aid to Needy Families (TANF),
the cash assistance program of the Department of Prevention, Assistance,
Transition, and Health Access (PATH).
What can Medicaid do for you?
Benefits include:
- doctor visits
- checkups
- immunizations
- hospital care
- lab work and tests
- prescription medicines
- physical and speech therapy
- dental care
- vision care
- mental health care
- nursing home care
66 Ways to Save Money (excerpts)
Car Insurance
- Taking the time to shop around for car insurance will save you money and can be done easily by telephone. First, ask your state insurance department whether they have a list of typical insurance costs or a price comparison pamphlet. Then call four or more licensed, low-cost insurers to learn what they would charge you for your car. To make the comparison fair, be sure they are all offering the same coverage.
- If you have an old car, you may wish to waive the deductibles on collision and comprehensive coverage. If you have a newer car, discuss with your insurance agent or the insurance company representative the advisability of increasing the deductible to at least $500. These measures can lower your premium.
- Do not cancel your old car insurance before you are covered by the new one.
Homeowner’s or Tenant’s Insurance
Buying these insurance policies from a low-price, licensed insurer can save you at least $50 and up to hundreds of dollars a year. As with car insurance, your state insurance department can probably provide a listing of companies and typical prices. If no such list exists, it’s more important than ever to obtain several quotes. Ideally, you should call at least four companies, give them the specifics of the coverage you need, and ask them to quote.
Your coverage should ensure you would have enough money to allow you to replace the house and its contents. Note that a home’s “replacement value" means it would be restored to its current condition.
If you are changing your coverage, make sure the new policy takes effect before or as your old one expires.
Life Insurance
If your only goal is insurance protection, buy a term life policy. Many other types of insurance are designed to be savings and investment products.
If you want to purchase one of these other policy types, such as a whole life, universal life, or other cash value policy, you’ll probably need to hold it for at least 15 years. If you don’t, your insurance costs can increase to more than double what they were.
Read up on the financial status and pricing policies of the insurance companies you are considering. One excellent source of information is the July 1998 issue of Consumer Reports magazine.
Source: Federal Trade Commission (FTC) - Consumer Information - 66 Ways to Save Money
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