- Health Benefits Advisor
Depending on the circumstances, you and your family members may have the right to enroll in a group health plan offered through your job or your spouses job, even if neither you nor your spouse is presently enrolled in the plan. In addition, the law limits pre-existing condition exclusions for children under 18 years of age who are adopted or placed for adoption. For information on these special rules, see Questions and Answers: Recent Changes in Health Care Law.
Before deciding which coverage best meets your needs, you may want to consider the different kinds of coverage available to you and your family.
Which type of coverage would you like to consider?
- Enrollment in a group health plan offered through my job
- Enrollment in a group health plan offered through my spouses job
- Medicaid Government-sponsored health insurance program for low-income individuals and individuals with special needs and their families.
- State Children's Health Insurance Program (SCHIP) Government-sponsored health insurance program for children of qualified families. Each state determines the income level for families to qualify. In most cases, eligible families can have income levels well above the national poverty level.
- Medicare - A Federally funded health benefits program for people aged 65 and over, and for certain people under 65 who are disabled or have permanent kidney failure.
- Other Health Coverage - This category includes coverage from another source such as individually purchased health coverage, coverage through a club or association or any other source not listed above.