Low Income Health Insurance in Fresno

The state of California has just had their uninsurance rate lower once more. With only an estimated 7.2 percent of the state going without health insurance, millions of others now have the coverage they need. Going without coverage in this day and age can end up putting you in financial ruin. A single trip to the doctor can range around 250 dollars without health insurance. About 29 percent of Californians who are going without health insurance cite the high costs.

Luckily, there are health insurance companies who are offering affordable pricing for their services. Insurance Line One starts their services at a low price of 150 dollars, meaning even those making 200 percent below the federal poverty level will be able to afford this. Currently, 200 percent of the federal poverty level is an estimated annual salary around 24,000 dollars. However, this shouldn’t stop you from getting coverage, especially when you live in a city like Fresno, where pollution and obesity are major concerns.

Fresno’s Uninsured Health Risks

The city of Fresno has an uninsured rate around 8.9 percent. This means thousands of residents are vulnerable to financial ruin were they to need treatment from any hospital in the area. Unfortunately, access to care is the number one concern for residents of the city, meaning many don’t have access already. This is understandable when you realize an estimated 43 percent of Californians don’t have a usual source of care.

The lack of a regular caretaker can result in your condition worsening and turning into something much more sinister. It can also result in you choosing a place costing a lot more than necessary. With asthma being the second most important health concern for the city, it’s important to know where local medical facilities are.

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There are two forms of asthma; inflammation and airway constriction. Inflammation occurs when excess mucous or swelling starts to form and blocks the airways. Airway constriction is when the muscles start to constrict your airways. Symptoms consist of coughing, wheezing, and shortness of breath. When left alone it can be fatal because they are essentially suffocating.

Going to these facilities uninsured is guaranteed to result with you spending thousands of dollars more. As a matter of fact, going to the hospital for an asthmatic attack can end up costing you an estimated 32,000 dollars as an adult. Fortunately, were your child to have this disease it will be thousands of dollars cheaper. An estimated 21,000 dollars for children wanting treatment for an asthmatic attack. Asthma can be linked to a variety of different causes, but obesity is one of the bigger factors.

Obesity also happens to be the fifth most important concern for citizens in Fresno. This can be attributed to a lack of affordable healthy food and being placed in under-resourced areas of concern. Obesity also happens to increase your chances of heart disease. One of the most dangerous forms of heart disease is a heart attack. Recovery from a heart attack can cost you an estimated 26,000 dollars, or a high-end estimate of 75,000 dollars.

Will Health Insurance Actually Help Me?

Health insurance is here to help you recover financially during a traumatic time in your life. It isn’t meant to suck you dry of all of your money, but assist you in keeping as much as possible. This is mainly determined by the type of “metal” you choose. These “metals” identify how much of an assistance rate you will receive and how much you pay every month in premiums. Furthermore, going up in “glamour” with these “metals” will result in you paying more in premiums, but less out-of-pocket.

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For instance, bronze packages are typically for people with little medical concerns and are planning for the worst. This is why they pay a low-end estimated of 388 dollars every month to have up to 60 percent of their bill covered. A heart attack will definitely constitute as the worst-case scenario. Were you on this plan you will need to spend around 10,400 dollars for recovery. Of course, there are people who will want a bigger assistance rate, which is why you still have silver, gold and platinum.

Silver plans are next in line, costing somewhere around 428 dollars in monthly premiums. However, this plan will cover up to 70 percent of the medical bill. To have 80 percent of your bill covered you need to drop an estimated 507 dollars each month for a gold plan. Finally, platinum services are for those with heavy medical needs, frequently pick-up expensive medication and/or commonly see the ER doctor.

You’ll have up to 90 percent of your bill covered, but at a forfeiture around 583 dollars a month. A platinum plan will drop the heart attack rehabilitation bill down to 7,500 dollars. Were you lucky enough, you might be part of the average Fresno resident spending only 108 dollars on treatment. Altogether, health insurance will reduce the price by more than half. The last thing you need to do is find a reputable healthcare provider to partner with.

Choosing the Best Healthcare Provider

Finding a trustworthy healthcare provider to work with can be frustrating at times to deal with. You don’t know who is deceiving you with flattering numbers only to find out the fine-print restricts a lot of treatments. Fortunately, there are still health insurance companies with the goal of helping subscribers as much as possible. Insurance Line one doesn’t just provide an affordable service starting around 150 dollars.

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We have also carefully organized our list of services into a simplified index for you to understand. Being confused during your decision-making process can result in you spending hundreds of dollars more. This can also happen were you rushed in choosing a plan. Thankfully, we also provide you with year-round open enrollment to ensure you are never denied because you missed a deadline. No one should have to suffer because they forgot the date applications ended. Creating every opportunity for you to acquire coverage prevents unnecessary suffering.

Sources:
https://www.valleychildrens.org/media/file/Valley%20Children’s%20CHNA%202016_2.pdf
https://www.chcf.org/wp-content/uploads/2017/12/PDF-AlmanacRegMktBriefFresno16.pdf
https://www.chcf.org/wp-content/uploads/2017/12/PDF-CaliforniaUninsuredDec2016.pdf
https://www.nhlbi.nih.gov/health-pro/resources/lung/naci/asthma-info/
https://www.cdph.ca.gov/Programs/CCDPHP/DEODC/EHIB/CPE/CDPH%20Document%20Library/County%20profiles/Fresno2016profile.pdf
http://www.cahealthcarecompare.org/cost_detail.jsp?region=11&service_id=11&cost_cat=heart&cost_cat_name=Heart%2C%20Lung%2C%20and%20Blood
https://www.peoplekeep.com/blog/affordable-care-act-policy-costs-up-in-2017

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