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gets married, has a child, starts or leaves school, living in and out of a parent’s home, aren’t claimed as a tax dependent or turned down an offer of job-based coverage. The second option forhealth care for children is the Children’s Health Insurance program (CHIP, n.d.). This option allows children in families that cannot qualify for medicaid due to earning over the cap for the family limit. This CHIP program covers, in some states, pregnant women and works closely withthe states Medicaid program. CHIP benefits vary by state but all states will provide comprehensive coverage that includes: routine check-ups, immunizations, doctor visits, prescriptions, dental and vision care, in and out patient hospital care, laboratory and x-ray services, and emergency services. Some benefits for CHIPS include copayments for some services and some states may charge a monthly premium, but routine “well child” checks and dental visits are free. In the U.S., we have healthcare coverage for unemployed individuals that can be affordable through the Market place depending on income and household size (Health coverage options, n.d.). If you lost or left your job for any reason you have 60 days to enroll witha type of insurance that can be provided by COBRA, the health exchange, Medicaid, and out of pocket expenses. COBRA coverage is when you lose your job-based insurance and want to continue the coverage provided by your former employer. If an individual chooses not to take 05/24/2020
ORGANIZATIONAL SYSTEMS TASK 3 4this coverage, then they have 60 days to enroll in a health plan. When a person is unable to sign up for health insurance due to no income, the United States has set aside funding for community health centers. These health centers provide millions of Americans on a sliding scale that is income based and provide general primary care. If an American reaches retirement age of 65 then they have the opportunity to enroll in the Marketplace or continue their health care through Medicare original or a Medicare Advantage Plan (Health coverage for retirees, n.d.) that has open enrollment October 15-December 7. If you retire before the age 65, you are not covered under medicare or lose your job-based health plan and will need to plan on getting health insurance through the marketplace. These individuals under 65 have the option to continue their retiree coverage or buy through the Marketplace, usually they can apply for premium tax credits and/or other savings based on their income. Individuals 65 and older that are enrolled in Medicare (If you have Medicare, n.d.) won’t need to change their coverage and have two different options of Medicare, part A or B.