[et_pb_section fb_built=”1″ admin_label=”Advocacy T-Hero Section” module_class=”hero tert” _builder_version=”4.18.0″ _module_preset=”default” background_image=”https:\/\/aafa.org\/wp-content\/uploads\/2022\/07\/AAFA-Website_Tertiary_Advocacy.jpg” background_position=”top_right” custom_padding=”1%||1%||true|false” global_module=”2187″ saved_tabs=”all” locked=”off” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.4″ _module_preset=”default” background_enable_image=”off” background_size=”initial” background_position=”bottom_left” background_horizontal_offset=”0%” custom_margin=”||||false|false” custom_padding=”2%||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Nav Parent Title” module_class=”tert-parent” _builder_version=”4.17.4″ _module_preset=”default” header_2_font=”|600|||||||” header_2_text_align=”left” header_2_text_color=”#FFFFFF” header_2_font_size=”32px” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n
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The Asthma and Allergy Foundation of America has several resources on health insurance topics that affect those with asthma and allergies:<\/p>\n
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[\/et_pb_text][et_pb_text admin_label=”H3 + Content” _builder_version=”4.18.0″ _module_preset=”default” text_text_color=”#505050″ link_font=”||||on|||#008c99|” link_text_color=”#008c99″ header_2_font=”|600|||||||” header_2_text_color=”#008c99″ header_2_font_size=”39px” header_3_font=”|600|||||||” header_3_text_align=”left” header_3_text_color=”#008c99″ header_3_font_size=”28px” global_colors_info=”{}”]<\/p>\n
The Children\u2019s Health Insurance Program (CHIP) is a state administered health insurance program that provides health coverage to eligible children through Medicaid and separate CHIP programs. CHIP provides health insurance for children up to age 19 in low-to-moderate income families who make too much income to qualify for Medicaid. In some states, CHIP also covers parents and pregnant women.\u00a0Learn more about CHIP\u2019s State Program information.<\/a>1<\/sup><\/p>\n Routine checkups and dental visits are free under CHIP, but there may be copayments for other services. Some states charge a monthly premium for CHIP coverage. Although states have different prices for CHIP coverage, families won\u2019t have to pay more than 5% of their income. You may enroll in Medicaid and CHIP programs at any time during the year.<\/p>\n See if you qualify and\/or to enroll in Medicaid or CHIP.<\/a><\/p>\n The Consolidated Omnibus Budget Reconciliation Act (COBRA) health benefit provisions require group health plans to temporarily continue group health coverage that otherwise end. For example, you may lose employer-sponsored health insurance coverage if you leave your job, but you can choose to pay for it out of your pocket for a few more months until you find a new job.<\/p>\n COBRA requires employers to offer continued insurance coverage to covered employees, their spouses, former spouses,\u00a0and dependent children.\u00a0It usually costs more than the amount that active employees pay for group health coverage while they are employed.<\/p>\n If you become eligible to elect COBRA when you would lose group health coverage, look at all of your options before making a decision. You might find cheaper health insurance plans for you and your family through other group health coverage, such the Health Insurance Marketplace or Medicaid. Learn more about COBRA.<\/a>2<\/sup><\/p>\n Medicaid is a health care program for people and families with low incomes and limited resources. Medicaid is managed by the states according to federal rules and regulations. States are required to cover certain \u201cmandatory benefits\u201d and can choose to provide other \u201coptional benefits\u201d through their Medicaid program. Before the Affordable Care Act (ACA), Medicaid coverage was generally denied to individuals without dependent children under the age of 65, but now states may extend Medicaid benefits to individuals without dependent children that live below the poverty level (each state specifies how far below the poverty level).\u00a0Contact your state Medicaid program to find out how you can apply.<\/a><\/p>\n Medicare is a federal health insurance program for people over the age of 65, under the age of 65 with certain disabilities,\u00a0and people with end-stage renal disease. Different sections of Medicare cover different services:<\/p>\n Learn more about Medicare and how to apply for coverage.<\/a><\/p>\n [\/et_pb_text][et_pb_text admin_label=”H3 + Content” _builder_version=”4.18.0″ _module_preset=”default” text_text_color=”#505050″ link_font=”||||on|||#008c99|” link_text_color=”#008c99″ header_2_font=”|600|||||||” header_2_text_color=”#008c99″ header_2_font_size=”39px” header_3_font=”|600|||||||” header_3_text_align=”left” header_3_text_color=”#008c99″ header_3_font_size=”28px” global_colors_info=”{}”]<\/p>\n Affordable Care Act<\/strong> CHIP COBRA Health Insurance Marketplace Medicaid Medicare Veteran\u2019s Health Administration (VA) Health insurance companies have lists of prescription medicines they will cover. This list is all called a formulary. If your insurance company or health plan\/program says a drug you take is not on their formulary,\u00a0talk with your doctor about other medicines.<\/p>\n Here are some questions to ask your insurance company or health plan\/program:<\/p>\n [\/et_pb_text][et_pb_text admin_label=”References” _builder_version=”4.18.0″ _module_preset=”default” text_text_color=”#505050″ text_font_size=”16px” link_text_color=”#008C99″ link_font_size=”16px” header_5_font=”|600|||||||” header_5_text_align=”left” header_5_text_color=”#008c99″ custom_margin=”||3%||false|false” global_colors_info=”{}”]<\/p>\n 1. Medicaid.gov. Children\u2019s Health Insurance Program. http:\/\/medicaid.gov\/chip\/chip-program-information.html<\/a><\/small><\/p>\n 2. United States Department of Labor. Health Plan and Benefits: COBRA. http:\/\/www.dol.gov\/dol\/topic\/health-plans\/cobra.htm<\/a><\/small><\/p>\n 3. Medicare.gov. http:\/\/www.medicare.gov\/<\/a><\/small><\/p>\n [\/et_pb_text][et_pb_code admin_label=”Print” module_id=”print” module_class=”clearfix” _builder_version=”4.17.6″ _module_preset=”default” saved_tabs=”all” global_colors_info=”{}” global_module=”5156″ theme_builder_area=”post_content”]Consolidated Omnibus Budget Reconciliation Act (COBRA)<\/h3>\n
Medicaid<\/h3>\n
Medicare<\/h3>\n
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Learn More<\/h3>\n
The Affordable Care Act makes it easy for people to purchase health insurance plans through the Health Insurance Marketplace at affordable rates.
https:\/\/www.healthcare.gov\/get-coverage<\/a><\/p>\n
<\/strong>Children\u2019s Health Insurance Program is state-administered health insurance program that provides health coverage to eligible children through Medicaid and separate CHIP programs.
https:\/\/www.healthcare.gov\/medicaid-chip\/childrens-health-insurance-program<\/a><\/p>\n
<\/strong>COBRA health benefit provisions require group health plans to provide a temporary continuation of group health coverage that otherwise might be terminated.
https:\/\/www.healthcare.gov\/unemployed\/cobra-coverage<\/a><\/p>\n
<\/strong>Through this program created by the ACA, individuals can now compare and purchase affordable health insurance.
https:\/\/www.healthcare.gov\/quick-guide<\/a><\/p>\n
<\/strong>This is a health care program for individuals and families with low incomes and limited resources.
http:\/\/medicaid.gov<\/a><\/p>\n
<\/strong>This is a health insurance program for people over the age of 65, younger people with disabilities, and people with end-stage renal disease.
http:\/\/www.medicare.gov<\/a><\/p>\n
<\/strong>If you served in the military and were not dishonorably discharged, you may qualify for VA health care benefits.
http:\/\/www.va.gov\/healthbenefits<\/a><\/p>\nAsthma, Allergies, and Insurance<\/h3>\n
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More Information<\/h3>\n
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References<\/h5>\n