There are several health care programs that are available to low-income and uninsured people. Some are reduced cost and some are government programs are that are free. Each government program has its own eligibility and income guidelines that must be met. Even if you don't qualify for insurance, you probably can get help especially if you need medical attention that will involve costly care.

COBRA
COBRA, or the Consolidated Omnibus Budget Reconciliation Act, allows workers terminated from their job for any reason other than "gross misconduct" to continue individual or family health care coverage under their former employer's group plan for up to 18 months. The worker's spouse and dependent children are eligible for COBRA coverage in the event of the worker's death, a divorce, legal separation, or a child's loss of eligibility for dependent care coverage under the plan rules.

You should be notified of your right to continue coverage by your insurance plan administrator within six weeks of termination of your right to continue coverage. It is up to the employee or the family to notify the insurance plan administrator within 60 days of divorce, separation or other reasons other than loss of the job. Generally, this is a very expensive option as employer group plans are usually very costly. It may be your best option if you or a family member has a pre-existing medical condition when your employment ends. You have 60 days to decide if you want to continue the health plan at the full cost.

Blue Cross Special Care

Philadelphia (215) 568-8204
Outside of Philadelphia 1 (800) 453-2566

This is a reduced cost managed care program offered by Blue Cross and Blue Shield. You can also contact other insurance providers if you want and can afford regular cost individual coverage. Visit Web site.

Services:

• Hospital care- 21 days inpatient per 90 day period
• 4 doctor visits per year with $10 co-pay
• Outpatient diagnostic tests up to $1,000 per year
• Emergency room care
• Maternity care
• Gynecological care
• No prescription drugs