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The secret of low cost health insurance is to
look for coverage for medical expenses above
$25,000, and make sure you always get the
negotiated price from PHCS or Beachstreet or
Galaxy. By having negotiated price, you will
always have low cost solution to your health care
expenses by reducing your coinsurance and cost.
Now, what do you do to cover yourself for the cost
up to $25,000 ?
YOU CAN GET NEEDED MEDICAL CARE EVEN IF YOU
CAN'T PAY IN ADVANCE, if you qualify for any of
the plans listed below.
Most county hospitals in
the United States have similar plans. If you have
a major accident, or you need surgery, always try
low cost plans at those hospitals - qualifying for
them is not difficult. Your low cost health
insurance premium is to do the research before
hand, so that you have a plan and information
about the low cost solutions:
- FREE vaccination Plans for babies or
travelers (no qualification needed) at county
hospitals
- Ability to Pay Plan (ATP) or Outpatient
Reduced-Cost Simplified Application (ORSA)
Plans
- Pre-Payment Plan Child Delivery / Maternity
Plan [ about $2500-$4000 per delivery,
available in most hospitals]
- Kidney Dialysis, Tuberculosis, and Post
Polio Plans Low Cost Medicines
- CHIP programs for Kids
- Medicare & Medicaid programs
Ability to Pay Plan (ATP) and Outpatient Reduced-Cost
Simplified Application (ORSA) -
Under
these plans, you can get medical care, including
prenatal and maternity services, at County hospitals
and clinics at no cost or at low cost. If you
get medical care at no cost under ATP/ORSA, you
can get medicines at no cost. If you get clinic
care at lower cost, you get medicines at no extra
cost. Although you can get these plans at any
County medical center, you can apply for them
only at specified centers.
For more information, see our ATP Fact Sheet, ORSA
Fact Sheet, or visit the Department of Public
Social Services Website.
Pre-Payment Plan - Use this plan at any County medical
center for clinic care. If you pay within seven
days of treatment, you do not have to prove your
income, other resources, or family size. For each
visit to the clinic, you pay:
- $60
at County Hospital Outpatient Clinics except
Emergency Room visits ($50 for prenatal services
for the first seven visits; remaining prenatal
visits at no charge)
- $50
at Health Centers or at Comprehensive Health
Centers except Urgent Care Center visits ($50
for prenatal services for the first seven visits;
remaining prenatal visits at no charge)
- $65 at Comprehensive Health Center Urgent Care Center
- $80 at County Hospital Emergency Rooms
- $200 at Hospital Outpatient Surgery Clinics
Child Delivery Plan - This
plan covers labor and delivery service for pregnant
women. For herself, each mother must pay $1200
within seven days after she leaves the hospital.
For her baby, each mother must apply for Medi-Cal.
Kidney Dialysis, Tuberculosis, and Post Polio Plans -
Special
low-cost plans cover these services. Apply for
them at the center where the treatment is given.
No Extra Cost Medicines - All clinic
patients can get medicines at no extra cost for
emergency and public health services. [www.needymeds.com]
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