LOW-COST INSURANCE FOR ADULTS & CHILDREN
This page was last updated: February 17, 2013
NEW!! JUST POSTED 2/17/2013
The Adult Medical Plan (AMP), also known as the Adult Benefits Waiver (ABW) will be open to new applicants from April 1st to April 30th, 2013. This program provides health coverage to uninsured individuals who are unable to qualify for Medicaid and who have very low or no monthly income--below $316 unearned or about $590 earned for an individual. Applications may be made in person at any Department of Human Services office or online at http://michigan.gov/mibridges. It is important to note that the application must be received from April 1st to April 30th to be considered. Applications received during March, even if they are processed during April, will be denied.
PLEASE NOTE!
This page is primarily concerning low-cost insurance sources BUT you'll notice that I also included below some other free programs that can help you as well! Please also check under "Adult Medical Resources" as well as "Children's Medical Resources" to find other free and low-cost medical care.
For Dental Resources look under "Adult Dental Resources" as well as "Children & Adolescent Dental Resources". For Vision & Hearing Care, look under "Vision & Hearing Resources".
The U.S. Department of Heatlh & Human Services has a website with a map of the states that
can direct people to agencies, including state insurance departments and local non-profits,
that can help people find health coverage, file appeals, and learn about other health-care issues. www.healthcare.gov/law/features/rights/consumer-assistance-program
GOOD TO KNOW!
Rejected for health insurance due to pre-existing conditions? Due to recent changes in
health-care laws, pre-existing condition insurance plans are now offered in EVERY state
at an affordable rate. To apply, go to www.PCIP.gov.
Hill-Burton Free Medical Care Program
Health Resources and Services Administration
Dept. of Health & Human Services
Division of Facilities Compliance and Recovery
5600 Fishers Lane, Room 10C-16
Rockville, MD 20857
Phone: 800-638-0742
All hospitals that accept federal grant money, MUST provide a certain amount of FREE medical
care to those who cannot afford it. If you feel you may qualify, please ask to speak to the hospital Social Worker. Some hospitals may call their program by a different name OR may have separate
funds for these situations as well!
United Health Care Grants
Websites: www.uhccf.org
United Healthcare Children's Foundation (UHCCF) provides grants to families to help pay for child health care services such as therapy, physical therapy, occupational therapy sessions, prescriptions, and medical equipment such as wheelchairs, orthotics and eyeglasses. Parents and legal guardians may apply for grants of up to $5,000 each for child medical services and equipment by completing an application at the UHCCF website. If a grant is approved for the child, the grant will help pay for approved medical services & items after child's commercial health benefit plan submits payment for services provided, if any. The grant funds are not paid to the parents or guardian directly--invoices/bills are submitted to UHCCF for approved medical services/items after the commercial health benefit plan submits payment (if any) to the health care provider. To be eligible for a grant, children must be 16 years of age or younger.
Chronic Disease Fund
6900 N. Dallas Parkway Suite 200
Plano TX 75024
Phone: 972-608-7141 OR 877-9687233
Email: info@cdfund.org
Website: http://cdfund.org
An independent, non-profit charitable organization that helps underinsured patients with chronic disease, cancers or life-altering conditions obtain the expensive medications they need. Assists patients throughout the U.S. who meet income qualification guidelines and have private insurance
or a Medicare Part D plan but cannot afford the co-payments for their speciality therapeutics. They also pay for the patient's out-of-pocket costs directly to the provider, eliminating the cash flow problems that can prevent them from getting their medications. Chronic Disease Fund currently supports patients with more than a dozen different diseases, including many types of cancer
(breast, colorectal, lung cancer, and multiple myeloma), multiple sclerosis, asthma and macular degeneration to name a few. Financial support is dependent on each years donations.
Oakwood Teen Health Center (recently moved from Taylor!)
19275 Northline Road
Southgate MI 48195
Phone: 734-287-2076
Health Education programs, free medical care for youth ages 10-21 and Family Planning
Program (including a full range of contraceptive choices, including abstinence and
pregnancy testing).
STATE RESOURCES:
Insurance Assistance Program (IAP) IAP-PLUS
Affiliated with HIV/AIDS Advocacy Services, the IAP pays health insurance premiums for PLWHA (People Living with HIV & AIDS) who have private health insurance and are currently too ill to work
in their current job or there is a substantial likelihood that he or she will be too ill to work within the next three months. IAP-Plus pays premiums for PLWHA who have private health insurance with prescription coverage. Contact: John Bain for more info at 313-456-1677 OR email: bainj@michigan.gov.
Healthy Kids/Medicaid
Phone: 888-988-6300
Website: www.michigan.gov/dhs
For Michigan residents, a program for pregnant women, babies and children under 19.
Covers women during pregnancy and the first two months after preganancy ends.
Babies may be eligible for up to one year after birth and children may be covered up
to age 19. Also includes transportation to doctor's visits.
You get:
Health insurance at no cost to you.
Medical services, dental care and prescription drugs at no cost to you.
You need your Social Security number. You don't need proof of income.
AND
MI Child
For Michigan residents under 19 years old.
You get:
Health insurance for $5 per month, for ALL family members under 19.
Medical services, dental care and prescription drugs at no cost to you.
You need your Social Security number and proof of income--such as a pay stub or W2.
METRO DETROIT & WAYNE COUNTY:
Wayne County HEALTHCHOICE Program
640 Temple Ave. Suite 370
Detroit MI 48201
Phone: 1-800-WELL NOW
Health Choice offers health coverage through their BasiCare Program for only $45 per month.
Their partnership with Golden Dental allows them to offer an optional dental rider through the DentalAssist Program for an additional $5 per month. You must be a Wayne County resident, between the ages of 18-64, and you must not be enrolled in any other health plan. Call the
number above for an enrollment form.
The BasiCare Health Program provides limited coverage for:
Physician Services
Labs and X-rays
Prescriptions
Urgent Care
Some co-pays will apply to several of the BasiCare services.
The DentalAssist Program provides the following limited coverage:
Office Visit ($4 co-payment)
Oral Exams
Adult Dental Cleanings
Film X-rays
Fillings
LENAWEE COUNTY
Lenawee Health Plan
Phone: 517-264-6300 OR 1-866-264-6300
Low income uninsured residents of Lenawee County may be eligible for a health care coverage program. The following is a description of this program:
Plan A
Residents eligible for the Adult Benefits Waiver (ABW) program through the State of Michigan are enrolled in Lenawee Health Plan, Plan A. This program is NOT insurance. It provides basic medical care to low income childless adults who do not qualify for Medicaid. Enrollment in Lenawee Health Plan, Plan A is done by the local Department of Human Services (DHS).
MACOMB COUNTY
Macomb Health Plan
Phone: 866-622-6620
Website: www.macombhealthplan.org
There are three health plans that are currently being offered. These plans are designed for Macomb County residents, as well as, Macomb County businesses. The Adult Benefit Waiver (ABW) program
and Macomb Care Connect are health plans for individuals, while the Macomb Blue plan is specifically designed to service small businesses that do not currently offer health benefits to their employees.
These plans are not services of the Macomb County government, but are offered by Macomb Health
Plan, a not-for-profit organization.
MONROE COUNTY
Monroe County Health Plan
Phone: 866-291-8691
This is a comprehensive, community-based health plan for residents of Monroe County. Contact
your local Department of Human Services to find out if you are eligible or call number above.
OAKLAND COUNTY
Oakland County Health Plan
18 Market Street Suite B
Mt. Clemens MI 48043
Phone: 888-798-WELL (9355)
Qualifications:
Oakland County resident
• Ages 19-64
• Not disabled or eligible for Medicaid or any other medical programs
• Income less than 35 percent of federal poverty level (about $200-$250 per month)
(Eligibility determined by Michigan Department of Human Services)
No cost to the consumer!
Insurance Programs listed below!
