Those who have never used them before may wonder what state health insurance programs are and what they have to offer. Like all kinds of health coverage, state health insurance programs have benefits and drawbacks, but for some, they may mean the difference between getting treated and not getting treated. The benefits of state health insurance policies include affordability, access to care and help handling medical and insurance confusion.

State health insurance coverage differs from state to state, but it is typically only offered to select individuals. In most states, state health insurance can be obtained by people with low income, individuals with disabilities and the elderly. Some states have special programs for others such as children, pregnant women or those who cannot get health coverage from their employers. In some states, state health coverage is easier to obtain than others. Individuals can find out more about their state's health coverage by contacting their state's health department.

One of the biggest benefits of state health insurance, for those who qualify, is affordability. In many cases, state health insurance is absolutely free. There are no co-pays or premiums. However, state health insurance, like other health insurance plans, does not cover everything. Still, most state health insurance plans offer coverage for a variety of ailments and preventative care services, including dental and mental health. In other cases, state health insurance is not free, but it is billed proportionally to an individual's income, so it is affordable.

Besides cost, state health insurance programs are beneficial because they offer access to care. Entering the world of health care is confusing for many. Knowing where to get care, patients' rights and what to do if proper care is not being extended is confusing. Many state health insurance programs offer case workers or 1-800 numbers that patients can call for help. Often, individuals working for the program are equipped to patiently and kindly explain many of these issues. Furthermore, because most health care providers accept state health insurance, finding a local health care provider is not difficult.

Finally, state health insurance plans are beneficial because they offer individuals help with issues such as filing insurance paperwork and applying for the health insurance. Many state health insurance plans offer interpreters or documents in other languages so those who have a limited English proficiency can still apply. State health insurance programs also often offer a nurse on call that individuals can contact 24 hours each day.

If individuals can qualify for state health insurance programs, they should apply. State health insurance programs offer a number of benefits, including affordability and access to care. Although different states offer different programs, individuals should consider these programs.