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Health Insurance California Low Income Question & Answers

2016 February 6
by Sarah Fields

George asks…

What benefit can I get if I am a low-income person?

I am living in California right now, and I did not earn a lot to keep my life better or in a stable situation, so I was wondering what can I apply for if I am certain a low-income person?
Thanks and best Rgd.
so far as I know there is low-income auto insurance, but I am not sure what else can I apply so thanks for your help.

Sarah Fields answers:

I live in California, too. I know a few people who found out they qualify for lots more than they’d have dreamed. (I am not assuming you’re just lazy blah blah blah.) IF you quality, you can get: #1. 20% off your PG&E bill every month, “CARE”. #2. An annual payment from HEAP to your PG&E. #3. A 30% discount on your cable (if no premium channels). #4. A PG&E weatherization program that will replace specific things–like a fridge over ten years old, light bulbs, updated thermostats & new water heater. #5. A county grant for energy saving windows(if you use a PG&E contractor, you can also get a rebate, but their contractors are disasters). #6. If you own property, an annual property tax rebate. #7. MediCal if you can’t afford health insurance. I learned all this from elderly persons as well as low income who spent days & days & even weeks searching these things out, otherwise they’d never have survived. Oh, also, there’s a Patient’s Assistance program where you can get medications absolutely free. BUT. You have to qualify & give evidence of your income. Don’t try to cheat! How about food stamps? It’s really amazing, but as I understand, very time consuming & frustrating as well with all the phone calls that don’t get answered, & forms to fill out…but bottom line, it must be worth it to these people. A couple of them went on line & pulled up County Services. That’s a start. Hope this helps!

Betty asks…

How much does it cost to go see a doctor ?

I dont have health insurance and im 19. I wanna go see doctor so i can fill application for SPORTS ( so might plus x-ray). Please help!

Thank you

Sarah Fields answers:

In California we have Community Health Centers that will see anyone who walks in. They accept MediCal, and if you qualify for that, they will help with the paperwork. If you don’t qualify, they have a sliding scale fee whereby you pay what you can afford, according to your income. They are funded by federal grants, private grants, and grants from the local hospital that saves millions of dollars when people use the clinic instead of their ER for routine visits. Call your county health department to see if there is a clinic in your state or area.

Also, I have seen ads in our local paper for doctors offices who give sports physicals at a reduced rate. You might also ask your school, coaches, or other students. I also have seen health insurance ads on TV at very low rates, and the fine print at the bottom says those rates are for young single men. So if you decide to buy insurance, it might not be too bad! Good luck!

Just remembered – when my son was in college, he bought health insurance through the college. Good thing, too! He had to have an emergency appendectomy

Richard asks…

What’s More Important-Children Getting Healthcare Coverage OR Insurance Companies Increasing Profits?

The Bush administration, continuing its fight to stop states from expanding the popular Children’s Health Insurance Program, has adopted new standards that would make it much more difficult for New York, California and others to extend coverage to children in middle-income families.

Administration officials outlined the new standards in a letter sent to state health officials on Friday evening, in the middle of a month-long Congressional recess. In interviews, they said the changes were aimed at returning the Children’s Health Insurance Program to its original focus on low-income children and to make sure the program did not become a substitute for private health coverage.

After learning of the new policy some state officials said today that it could cripple their efforts to cover more children by imposing standards that could not be met.

Ann Clemency Kohler, deputy commissioner of human services in New Jersey, said: “We are horrified at the new federal policy. It will cause havoc.”

Jeeperpeep-In Australia, Belgum, Brazil, Canada, Denmark, England, Finland, France, Germany, Greece, Israel, Italy, Japan, the Netherlands, New Zealand, South Korea, Spain, Sweden and Venezuela no INSURANCE companies can deny you coverage-it is a Human Right! Yes Taxes are higher, but the administrative costs are 3% instead of 15% that combined with eliminating the Investment Tax Cuts that went to the wealthiest 5% could more than pay for a Single Payer System. Just think you wouldn’t have to pay Deductables, Co-Pays, Premiums, “Non-covered” out of pocket expenses and you wouldn’t be denied for “pre-existing conditions.”

But you would lose the FREEDOM to choose what Insurance or HMO would deny your coverage for not getting pre-approval on your Emergency room visit.

Sarah Fields answers:

Children for healthcare. The best way to reduce health care cost is to give children access to healthcare and start from an early age a healthy lifestyle. The health insurance industry is not about the patients it is about the all mighty dollar and the rest of us suffer for it

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