Health Insurance for Seeing Impaired Author:    Posted under: Health InsuranceHealth Insurance questions answered

Health Insurance has a lot of form and use. It is why doing research before getting one is the best thing to do. In that way you know you are only getting what you need and prevent high insurance cost.

It is good to know that there’s also health insurance available for individuals with disabilities. One of the most common disabilities is the loss of sight or blindness.

There are different options of health insurance coverage available for seeing impaired adults and children. As always, there are factors to consider in order to get the best health insurance for this specific case. The factors that determine the best insurance coverage are: state of residence, age, income, and onset of blindness and family condition.

It wasn’t always like this, though. In the past, insurance providers discriminate against seeing impaired individuals who want to get health insurance, even to the point that they totally turn down application from such individuals. Over the past several decades, the National Federation for the blind has been working so hard to eradicate such discrimination.  Some states even came up with laws and regulations for this. To date, seeing impaired individuals can get private or public health insurance through their employer just like the seeing individual. There are also instances when seeing impaired individuals also qualify for Federal or state-funded Medicare and or Medicaid programs.

If the seeing impaired individual is eligible to receive federally funded assistance such as Supplementary Security Income or SSI, he or she may be eligible to receive Medicaid. Medicaid is health insurance funded by both the Federal government and the States. The individual does not get the money per se. It is paid directly to the insurance provider. There are some states though that may have co-payments for some medical services.

Medicare, on the other hand, is a national health policy available for senior citizens, people 65 years and older. Medicare is also available to those who are under 65 years old with certain disabilities such as blindness and those with permanent kidney damage. People 65 years and older are automatically enrolled in Medicare. Seeing impaired individuals who are under 65 years old are also automatically enrolled if they have been receiving benefits from Social Security Administration for at least 24 months.

A seeing impaired individual is eligible to receive Social Security Disability Benefits whether he or she was previously employed or not. The main factor or requirement for eligibility is if the individual’s condition is severe enough to keep him or her from being employed for 12 months or more.

Private health insurance is also available for seeing impaired individuals and come in varied forms. Employment based insurance coverage is available to those who are employed or through a qualified relative. Self-employed based plans cover those who have their own businesses. Direct purchase plans are for individual or family coverage through private insurance providers.

Debates over the insurance for people with disabilities are still happening up to this day. Some argue that the present benefits available for seeing impaired individuals are not enough. There are some states that do not have concrete laws or regulations governing this and sometimes insurance providers still discriminate against people with disabilities. Its no wonder that people who are either seeing impaired or hearing impaired or with any other disabilities work hard to be a part of the community without being a burden.


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