How to Find Affordable Health Insurance in the State of Virginia
Low-income residents in Virginia may apply for medical insurance through Medicaid. This program is funded by both state and federal monies and is specifically for low-income elderly (65 and older) pregnant women, children under 18 and those with disabilities.
Medicaid covers medical care such as doctor and hospital services, x-rays and prescription medicine. Some services require a co-payment; co-payments range from $1 to $100 depending on the type of service.
Medicare is for people 65 or older or those with disabilities. Medicare is available as a cost-sharing program for those who qualify for a Medicaid program and have incomes between 120% and 130% of Federal Poverty Level (FPL). Under this program, insured people usually don't pay premiums on Part A (hospital), and the state will pay for Medicare Part B premiums. Low-income working disabled individuals under 65 can qualify for help paying for Medicare Part A (hospital) expenses if their income is limited to 200% of FPL.
For people 55 and older, Virginia offers the Program of All-Inclusive Care for the Elderly (PACE) if they are eligible for Medicare and Medicaid. In addition to all Medicare and Medicaid health services, it includes private duty nursing, nursing home care, prescription drugs, medical equipment, dentures, hearing aids and more.
Virginia's health insurance programs for low-income families also includes FAMIS Children's Health Insurance Program for children from low-income families (co-payments from $2-$5), FAMIS MOMS for pregnant women (no co-payments for pregnancy related services), and FAMIS Select Premium Assistance Program that provides low-income family assistance in paying for their insurance through private organizations or through their employer.
Virginia Dept of Health:
Virginia FAMIS Program:
Virginia Healthcare Foundation:
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