Money is an important aspect in everybody’s life. However, there is something more important than money, your health. It is unfair that it is challenging for some people to cover healthcare without working a full-time job. Fortunately, there are some employers that are willing to provide healthcare to their part-time employees, as well. This article will tell you about five part-time jobs that can help you get healthcare coverage. Additionally, this article will tell you about the benefits of healthcare and the different federal assistance options that offer healthcare.
What Part Time Jobs Offer Healthcare?
It might come as a surprise, but there are many part-time jobs that provide health benefits. You do not need to work a full time job to get healthcare anymore. All you need to do is apply for a job in the following places. Part time jobs that offer healthcare include the following:
- Chipotle
- Starbucks
- Any Federal Job
- Lowe’s
- UPS
Chipotle
One of the most popular part-time jobs that provides healthcare benefits is offered from Chipotle. Part-time workers have the option of getting good healthcare plans through Anthem. Additionally, you can get your dental plan from Delta Dental. You will find the details of your healthcare plan from Chipotle in their benefits handbook. If you find that you need to go to an ophthalmologist, or eye doctor, then you will find a great vision plan through EyeMed. In addition to this, Chipotle’s healthcare plan offers counseling and mental health services. Employees and their dependents can get free services through face-to-face appointments or other forms of communication. This includes conference calls, phone calls, etc.
Starbucks
Another great option for getting healthcare for part-time employees is Starbucks. Whether you are a coffee lover or a pretty decent baker, you cannot go wrong with Starbucks. Starbucks is known for its respectful treatment of their employees. You will find that Starbucks provides health insurance benefits to part-time employees with different types of medical plans. Packages include: Bronze, Bronze Plus, Silver, Gold, and Platinum. Your deductibles can range from $0 to $3,300. But, this depends on the package you choose. Additionally, you should keep in mind that Starbucks is one of the businesses that provides assistance in paying for their employees’ college education.
Any Federal Job
Federal jobs are famous for offering part time employees with healthcare benefits. In fact, part time employees have the same healthcare plans and benefits as full time employees, even if they do not work the same hours. However, the only condition is that the employees have to have a permanent position. Keep in mind that it varies how much money from your paycheck goes to your healthcare benefits. You should check with the Office of Personnel Management for more information to find out.
Lowe’s
Lowe’s is one of the largest home improvement brands across the United States. They are also famous for treating their part-time employees well. There are branches all across the United States and provide part-time employees with full healthcare benefits. But, this depends on the area that you are working in, since you might get different amounts of healthcare benefits. If you want to find out, then you can look through their Health Plan Identifier.
United Parcel Service (UPS)
If you are thinking about applying for a job, then you are in luck. There are many employment opportunities in UPS that you can consider. As a UPS employee, you also have the right to get pretty impressive healthcare benefits that you should research. In fact, the company takes pride that it employs part-time employees and offers them healthcare benefits. Their healthcare plans are extensive, where they include: dental, vision, medical, and pharmacy plans. But, it depends on which local branch of UPS you are working in. The best reference you can use to find out is through the TeamstersCare benefits page. Typically, you will need to work an accumulated 225 working hours in 3 months to qualify for healthcare benefits. This would classify as about 20 hours a week.
What Welfare Assistance Options Can You Apply for Healthcare?
Part-time jobs are a great way to get healthcare. But, it is not the only option to receive medical benefits. Another way you can get healthcare benefits is through welfare programs. There are many federally-funded programs that can help cover medical expenses. This will help you more than the opportunities you will get with a part-time job. Some of these federal programs are the following:
- Medicaid
- Medicare
- Children’s Health Insurance Program (CHIP)
- the Veterans Health Administration (VHA) Program
- the Indian Health Service (IHS) Program
Medicaid
This is a welfare program the Federal Government funds, but the states are responsible for managing and running Medicaid. Medicaid is a healthcare program that helps eligible families and people with disabilities pay for different forms of medical care. Eligible individuals that benefit the most from Medicaid are low-income individuals and people with specialized disabilities.
Medicaid can cover a wide range of medical services such as:
- Traditional Medical Care
- Dental Care
- Vision care
- X-Ray Services
- Screenings
- Laboratory Services
- Inpatient Hospital Services
- Outpatient Hospital Services
- Transportation Services
- Translation Services
Medicaid provides coverage for all of the aforementioned services and then some! Each state has their own Medicaid program, so you will find that the terms and conditions differ. There are some states that provide additional services that cover prescription drugs, personal care, and rehabilitation services. If you want more information, then you should reach out to your local Medicaid Office. To find your local Medicaid office, you can find it online.
Medicare
This is a healthcare program that offers eligible individuals with health insurance. Typically, people that qualify for this welfare program need to be at least 65 years old, have social security from a disability, or face specific diseases.
Children’s Health Insurance Program (CHIP)
Children’s Health Insurance Program is a welfare program that offers healthcare coverage to children of families that cannot qualify for Medicaid. Typically, families that earn too much to qualify for Medicaid, but are still financially struggling, are the main target group for CHIP. Additionally, CHIP provides coverage for pregnant women. Recipients of this program can receive coverage for:
- Doctor Visits
- Routine Check-Ups
- Immunizations
- Dental Care
- Vision Care
- X-Ray Services
- Laboratory Services
- Inpatient Hospital Care
- Outpatient Hospital Care
- Emergency Services
There are some states that provide even more CHIP benefits than the aforementioned coverage. This is why you should make sure what your state specifically provides you. To apply, you can do it through the Health Insurance Marketplace.
Veterans Health Administration (VHA) Program
Created in 1946, the Veterans Health Administration (VHA) Program focuses on helping American veterans with healthcare coverage. The VHA offers healthcare through Veteran Integrated Service Networks (VISNs). As a recipient, there are eligibility requirements that you need to meet to get healthcare benefits. This includes low-income , elderly, and/or diagnosed with severe or chronic diseases. You will be able to expect a wide range of available medical services, including:
- Traditional medical care
- Mental health services
- Physical therapy
Indian Health Service (IHS) Program
The Indian Health Service (IHS) is part of the Department of Health and Human Services. This service is responsible for offering American Indian and Alaskan Native tribes with healthcare coverage. There are some health issues that these tribes face at a high risk, which include diabetes, alcoholism, and substance abuse. Additionally, these issues serve as a challenge for those dealing with poverty.
A Good Healthcare Plan: What Does It Consist Of?
There are many different forms of healthcare coverage plans that you can get. But, you should ask yourself, what is the right healthcare plan for me? When you are looking for a healthcare plan, make sure you focus on three main aspects. These three aspects are: the total expenses of the healthcare plan, the healthcare plan and its network type, and the “grade” of the plan.
The Pros of Having Health Insurance
There are many benefits that come with having health insurance. You will find that health insurance works as a financial safety net for any emergency and medical issues you might face. Additionally, health insurance is a good way to help you avoid getting sick in the first place. Those two reasons should motivate you enough to get health insurance.
Health Insurance is a Safety Net for Your Financial Situation
You never plan to get sick or injured. These situations take place when you least expect it and it can cost you thousands of dollars. As a matter of fact, healthcare expenses are the leading cause of bankruptcies in the United States. This is why you should make sure that you have the right health insurance plan; it will help you handle these costs better.
Health Insurance Helps You Prevent Getting Sick
One of the most important services that you can find in healthcare insurance plans is preventative care. Preventative care such as annual checkups, vaccinations, screenings, and laboratory services are just a few ways that you can keep track of your body’s health. You will be able to make sure that your body is functioning properly and you can catch an illness in its early stages of development.
If You Do Not Qualify for Health Care Assistance and You Still Can Not Afford Insurance, Then What To Do?
This is not an easy situation to find yourself in. You might not be eligible for federal healthcare assistance options and cannot afford traditional private insurance, either. If this sounds familiar to you, then you should think about reaching out to a financial expert who can help you handle your budget. Once you improve your overall financial situation, you may be able to afford private healthcare insurance. Additionally, you can create a budget that includes your healthcare insurance or find a way to improve your monthly income.
In Conclusion
You will find that there are several part-time job opportunities that have great healthcare benefits. It is not every day that you come across a pot of gold like that. You can work for UPS, the Federal Government, and even Starbucks. However, if you are not interested in a part-time job to get healthcare coverage, then you can consider other options. A great option you can consider is federal healthcare assistance options. These options include:
- Medicaid
- Medicare
- Children’s Health Insurance Program (CHIP)
- the Veterans Health Administration (VHA) Program
- the Indian Health Service (IHS) Program
Before you apply, make sure that you find out if you qualify for these programs. Health insurance is important because it provides a safety net for you financially. Additionally, it helps you keep up with preventative care. You can never go wrong with health insurance, whether it is public or private. Make sure that you choose the right healthcare plan for you, though. Remember that health insurance is to help you and nothing more.
