Health Insurance Options for Low-Income Families
It's very important for families to find good health insurance that they can afford. Not only does it allow access to life-saving preventative care, health insurance can help offset the cost of medical emergencies that would otherwise severely damage a family's financial stability.
Even though health care and insurance costs can be expensive, there are several options for low-income families, particularly working families, that are available at free or reduced cost. Some of these options are listed below.
If you need more information, don't hesitate to contact the MICA Family Development center in your area.
Medicaid (Title XIX) - Iowa Health and Wellness Plan
Medicaid is a program that pays for medical and dental care for qualifying individuals.
The coverage is available to pregnant women, children under age 21, parents or relatives caring for a child under age 18, children in foster care or unsubsidized adoption, people who are disabled, or people who are 65 or older.
You may receive medicaid benefits even if you are still working or have other insurance.
To apply for Medicaid, visit or contact your local MICA office.
Maternal and Child Health (Title V)
Maternal and Child Health (MCH) programs are administered by the Iowa Department of Public Health. MICA is an MCH provider via our clinics located throughout our service area. MCH provides payment for limited medical and dental care, immunizations, referrals to other programs, and preventative dental care services.
The coverage is available to all women of childbearing age and all children under 21 who meet income guidelines.
To apply for MCH, call or contact your local MICA office. If you live in Hardin, Marshall or Tama counties, call 800-390-5293. For those in Boone, or Story counties, call 515-292-9020.
Hawk-i (Healthy and Well Kids in Iowa)
Hawk-i is low-cost or free health insurance for kids from working families. The hawk-i program provides coverage through Wellmark Health Plan of Iowa Blue Access or
UnitedHealthcare Plan of the River Valley Inc., and Delta Dental.
The coverage is available to children who live in Iowa, are under 19 years of age, are US citizens or qualified aliens, meet income limits, are not a dependent of a state employee, and do not qualify for Medicaid.
Hawk-i is very affordable coverage for families, who pay between $0 and $40 a month for care.
The Affordable Care Act
If you don't qualify for the options above, you can find affordable health care on the health care exchanges administered by the federal government.
Find more information and apply online at www.healthcare.gov.