Affordable, Low Cost Health Insurance

Affordable, Low Cost Health Insurance

There are several ways you can obtain affordable, low cost health insurance. If you’re employed, your employer may offer a group health insurance plan for employees. Married individuals can usually opt to be covered under their spouses’ health insurance – their children can be covered, too. If you belong to a club or organization, you may be able to take advantage of group medical benefits offered by the club or organization. Of course, you may be able to afford an individual health insurance plan.

However, if none of these apply to you, and purchasing an individual health insurance plan isn’t a financial option, perhaps it’s time to contact your state’s department of insurance. Most state’s in America offer some sort of medical benefits package to residents who can’t otherwise afford an affordable, low cost health insurance plan. Or, perhaps you can afford to purchase an individual health insurance plan, but are continually denied coverage due to a pre-existing health condition. Some states also offer health insurance plans for individuals in this situation, too.

Each state sets forth its own criteria for state-sponsored health care coverage eligibility. You may need to meet certain financial requirements, i.e., not make enough money to be considered able to purchase your own health insurance plan. You may need to have a certain number of individuals in your household, or you may need to have a certain number of dependents. If you’re looking into a state-sponsored health care program because you haven’t had success finding an independent health insurance plan due to a pre-existing health condition, you may need to show proof of a certain number of attempts before your state considers you eligible.

Remember, regardless of whether you’re eligible for affordable, low cost health insurance from your state’s health care program, your child or children may be eligible. Always find out your state’s criteria for children eligibility, and make sure your children have adequate health coverage.

Alcohol and Drug Rehab: Substance Abuse and Mental Health Issues

According to the National Institute of Mental Health, depression is the most common diagnosis among adults in the United States today. It is estimated that one out of three depressed people suffer from some form of addiction or substance abuse problem. In addition to the above, there appears to be a common tendency among those suffering from depression to abuse drugs or alcohol as a means of coping with their symptoms. Many of these people end up with an addiction to those substances.

Dual diagnosis can create a very complex situation for both the professional, as well as, the individual. One of the obstacles they face is while the person may feel depressed, there are many drugs, including alcohol that create symptoms similar in nature to depression. The "million dollar" question is, which came first, the depressive disorder or the addiction/alcoholism causing it?

Although there appears to be a clear link between depression and addiction or drug/alcohol use, it is not clear that one necessarily precedes the other. Many times though, the depressive disorder appears first and the person begins to use drugs or alcohol as a means to better cope with the symptoms. This type of self-medication generally leads to addiction or alcoholism with the person in need of drug rehab or alcoholism treatment. Regardless of which issue develops first, they must be treated co-currently in rehab for the person to fully recover.

The most important thing is to work with a physician who fully understands drug addiction, alcoholism and is associated with an accredited addiction treatment center.

Smith Chen is an author and internet marketing consultant .
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