When is the federal health care open season?

When You Can Enroll in Medicaid

Medicaid is the health insurance from the federal government. This insurance is for households that have lower incomes, pregnant women, children, families, those with disabilities, and the elderly.

Depending on your annual household income, you can either get Medicaid at a low-cost or no cost at all. Household size and disabilities can also affect whether you can get Medicaid at a low-cost or no cost at all.

You can enroll in Medicaid any time of the year, but before you do, make sure you meet the requirements.

For more information about Medicaid, please check Medicaid.gov.

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When You Can Enroll in CHIP

The Children’s Health Insurance Program (CHIP) is the insurance from the federal government for children.

Depending on your household’s income, you can get this insurance for your children at a low cost or no cost at all. If you do need to pay monthly premiums, CHIP insurance won’t exceed 5% of your household’s annual income.

CHIP covers the following:

• Routine check-ups
• Immunizations
• Doctor visits
• Prescriptions
• Dental and vision care
• Inpatient and outpatient hospital care
• Laboratory and X-ray services
• Emergency services

Some states’ CHIP program might offer more than this list. Check your state for details.

You can enroll in CHIP any time of the year. But before you enroll in CHIP, check your state’s health agency for details on eligibility. Each state has their own rules of who qualifies for CHIP.

There are two ways to apply for CHIP. You can either call 1-800-318-2596 (TTY: 1-855-889-4325) or fill out an application through your state’s health insurance marketplace.

For more information about CHIP, please check Medicaid.gov.

Open Enrollment for Medicare

Medicare is the insurance from the federal government for those 65 years old and older. But if you’re under 65 and if you who have a disability and if you have End-Stage Renal Disease (ESRD), you can get Medicare.

Before you enroll in Medicare, make sure you meet the requirements. Also, note that there are four parts to Medicare. They are:

• Part A
• Part B
• Part C
• Part D

Part A is when you have hospital insurance. This covers services such as skill nursing facilities, inpatient hospital care, critical access hospitals, and some home health care. Typically, you do not pay for this service because it has been paid for already through payroll taxes.

Part B is when you have medical insurance. This covers services such as outpatient care, doctor visits, occupational therapy, and some home health care. It also covers for service that Part A doesn’t cover.

Part C is when a private insurance company with Medicare to provide you a health plan. This part includes the services that covered in Part A and B.

Part D is when you have prescription drug coverage. You can either get coverage from the Medicare program or from a private insurance company. Typically, you pay a monthly premium for this part of Medicare.

Open enrollment for Medicare starts October 15 and ends December 7. If you’re covered by Medicare, the Open Enrollment is the time if you want to change plans or coverage.

For more information about Medicare, go to Medicare.gov.

Since you now know the information above, you should be able to get the insurance you need from the federal government for you and your household.

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