Health care and insurance is important for everyone. Finding affordable health coverage is critical. There are many health insurance programs available in Utah. Some are designed specifically for people with disabilities. Others programs are designed for people with low income or who are seriously ill, but may also include people with disabilities.
Each health insurance option has eligibility criteria. Read the following summaries carefully and visit the websites. Learn which health care option will meet your needs.
Health Insurance Options for All Eligible Utahans
There are a wide variety of medical assistance programs for people with disabilities in Utah. Brief summaries of some of the programs have been created as a public service to the community agencies. These summaries are designed to give a broad overview of the programs and should not be used to determine eligibility.
You may have insurance coverage through your employer, a family member or another source. Students in Utah colleges also have health insurance available through the college or university.
Your employer may buy into the Utah Health Exchange. The Utah Health Exchange is designed to connect consumers to the information they need to make informed health care choices, and in the case of health insurance, make a choice electronically. It is a single shopping point for health insurance for employers as well as individuals and families. The Utah Health Exchange provides a technological interface between employers, brokers/agents, insurers, and employees.
CHIP is Utah’s Children’s Health Insurance Program, a federally funded state health insurance program for children of working families.
UPP helps make health insurance more affordable for working individuals and families who do not currently have health insurance. UPP may help you pay monthly premiums when you enroll in your employer’s health insurance plan.
Address the problem of people with serious medical conditions, such as cancer, diabetes, heart disease, and other chronic illnesses, that made them unable to obtain health insurance at any price.
Medicare is a health insurance program for people age 65 or older, certain people with disabilities who are under age 65 and people of any age who have permanent kidney failure. It provides basic protection against the cost of health care. It may include prescription drug coverage.
Health Insurance Options Designed for People with Disabilities
Provides medical assistance to low-income families, children, pregnant women, and disabled and elderly individuals. Coverage is similar to typical health insurance.
Some Medicaid programs are just for people with disabilities who work.
MWI is designed for people with disabilities who are working, but because of their income and/or assets do not qualify for a “free” Medicaid Card. This Program instead gives a person the option to pay a premium, based on their countable income, to obtain health care with a Medicaid Card. The intent of this Program is to encourage people with disabilities to return to work or to increase their earnings.
EPAS is for people with disabilities who work, and need personal care assistance to continue to work. EPAS enables people with disabilities to obtain and maintain employment.