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You're pregnant in Texas and you do not know what to do. Do you know what is perinatal chip?
A common history for Venezuelans who are now emigrating.
Here's how the state of Texas can help you with your pregnancy and delivery.

Pregnant in Texas - Perinatal Chip

Migrating is already difficult and if you add migrate pregnant even more complicated.
A pregnancy brings many expenses and when you decide to emigrate until the last penny saved account since you do not know when you will need it.
In this article I want to explain how you can opt for medical insurance for your pregnancy and childbirth in the State of Texas.

It is important to keep in mind that each state is different, each state has its laws. This I explain to you applies for Texas.

If you are pregnant in Texas

The State of Texas is noble and helps immigrants.

This benefit is granted regardless of your immigration status.

What is CHIP Perinatal?

The perinatal coverage of Chip is a benefit or help received by pregnant women, without health insurance and who do not qualify for Medicaid residing in the state of Texas.
This coverage allows to have some benefits to the baby while it is brewing, that is, during pregnancy, including labor and delivery, as well as the medical services of your baby for the first months of life.

Which includes the perinatal chip

This coverage allows you to attend up to 20 medical consultations related to pregnancy, meaning that if you fracture an arm you are not covered as it is not related to pregnancy.
It also covers vitamins and medicines related to pregnancy, including treatments for diabetes.
It also includes tests related to pregnancy, vaccines and two consultations after delivery.

Ways to request help

When you arrive in Texas you should start your paperwork as soon as possible since the approval takes a few weeks and you will be somewhat distressed to know the status of your baby.
In Texas there is Health and Human Services, it is through this office that the aid is processed.
You may also be interested in Como solicitar el chip perinatal
But ... how to start ...
You have different options which depends on the speed or urgency you have for a doctor to see you.

On the website

1. Enter the portal https://yourtexasbenefits.com/Learn/Home
2. Create your user
3. Click where it says Request Benefits
4. Follow the steps indicated there, placing the information requested and the attached documents that you request.
5. Wait 15 days for answers about your application by mail.
6. You will receive a letter indicating that your application was approved.
7. Then you should wait for a correspondence where it tells you the available insurance options. If you are in a hurry because of the medical consultation you can call 211 and ask for your CHIP Perinatal number with which you can already process your medical appointment.

For the app of your cell phone

1. Download the Your Texas Benefits app
2. Create your user
3. Make the benefit request.
4. As for the web page, you must wait for a response by postal mail within a period of 15 days.
5. Then you should wait for a correspondence where it tells you the available insurance options. If you are in a hurry because of the medical consultation you can call 211 and ask for your CHIP Perinatal number with which you can already process your medical appointment.

Through one of the offices of Health and Human Services.

1. Locate by your gps the Health and Human Services office closest to your home.
2. Go there and ask some of the people in the entrance to help you to make the application.
3. After the application you can go home to wait for the 15-day period or you can request an interview right there.
4. When requesting an interview, a worker will assist you, who will ask you for a series of information and will tell you if your request is approved or not.
5. When you approve it, they will indicate a CHIP Perinatal number with which you can process your medical appointment.

By telephone

1. Call 211
2. Select apply for benefits and follow the steps of the system.

Documents to apply to the Perinatal Chip

Proof of income:

• Check stub of the last two months of all the people who live with you. If the income is in cash there is a form filled out stating how much the income is.

Proof of household expenses.

• Rent
• Water
• Light
• Phone
• Car fee
• All household expenses. I mean everything

Migratory state:
If you own it, you must present one of these tests.

• I94
• I-551
• Birth certificate in the USA
• USA Passport

After the delivery, coverage is lost

Once the baby is born, you have coverage for the following 6 weeks in which you can attend a maximum of two appointments.
The baby at birth automatically has Medicaid or Chip depending on the income that the family group has at the time of delivery.
If you have any questions, you can write it in the comments and I will answer it as soon as possible.
Or if you have information that you can provide you can do so in the comments and thus help other mothers in the process.

WIC Texas is a special supplemental nutrition program that supports pregnant women and children up to 5 years old totally free.
This help program is about nutrition for the mother and child.
In this post I am gonna tell you about this help program from de goberment of United States and how you can apply.
Para español aquí

WIC Program - WIC Texas 

Wic is a program that you can find in any city of United States.
Each state has its own regulations and adds more benefits to complement this program according to the needs of its population.

What is wic nutrition program?

WIC is a special supplemental nutrition program for low-income people who help pregnant women, postpartum women, infants and children up to 5 years of age.
This program provides a set amount of free monthly food needed to keep your body healthy with the minium nutrients needed for pregnancy, postpartum and healthy child growth.
These foods are pre-loaded in the WIC card on time at month.
Income tax - Tax declaration in the USA
With which the beneficiary or authorized person is directed to any of the premises taht accept the WIC card to pick up the products for the month accoring to their preference.

Who can apply in WIC Texas?

The Texas WIC program applies to:

• Pregnant women.
• Women who breastfed a baby under 1 year.
• Women who have had a beby in the last 6 months.
• Parents, stepparents, guardians or custodians of children under 5 years.
• Children under 5 years.

It is important to know that its not imperative to be married to become a WIC nutrition program.
Dads who are raising a children under the age of 5 may also enroll children in the WIC program, attend nutrition classes and recive benefits for their child.
Active parental involvement is important ofr the healthy development of children.

Other requeriments to participe in the Texas WIC program

In addition to the participation requirements mentioned above you must also comply with the following:

1. Comply with the maximum income limit. Your household income should be less than 185% of the poverty level. More information here
2. Be at nutritional risk. At the start of the Texas WIC program you are given an evaluation that checks two categories of nutritional risk: medical risk such as iron deficiency anemia, poor medical outcomes during pregnancy and low weight. The second risk is dietary problems caused by poor nutritional and health habits.
3. Living in Texas. You don´t need to be a US citizen to participate. Just living in any county of Texas is enough.
4. You must make the request in person with some exceptions.

Who provides WIC Texas services?

The Texas Department of Health Services is responsible for administering the WIC Texas program by providing the necessary funds to local WIC agencies throughout the state.
In the state of Texas there are more than 300 WIC offices working full time and more than 200 satellite offices working part time.
Many of these work on extended hours including saturdays for people who do not want to miss work by attending the Texas WIC appointment.

Where are the WIC clinics in my area?

If you would like o find a WIC clinic near your address you can access the Texas Health Locater by clicking here.
There you can choose the office that suits you according to your location or bus route.

How to apply for WIC program?

If you are a pregnant woman, you feed a baby under one year old, you had a baby in the last 6 monhs or you have a child under 5 years old you can participate in the Texas WIC program by following these steps:

1. Call WIC Phone number 1 800 WIC FORU or 1 800 942 3678 Monday to Friday from 8 am to 5 pm to get the address of the nearest WIC clinic where you live or sarch the Health Locator of Texas here.
2. After having the telephone number of the WIC clinic near where you live, call to make an appointment based on the availability of the WIC clinic.
3. Attend appointment with the following documents:
   1. Documentation that shows the income of people living in your household, such as check stubs, tax returns, social security check, among others. If the applicant receives Texas Medicaid, TANF or Texas food stamps automatically meets the required income so taht with record keeping receiving any of these benefits is sufficient to demonstrate income.
   2. Letter that shows your address of residence, receipt of some service, receipt of rent, etc.
   3. Any ID of the beneficiary. Can be driver license, passport, student card.
   4. If you are a child you must bring the vaccination card.
4. During the appointment you will be given a simple medical checkup that includes weight, height, and iron measurement to make a medical history to assess your nutritional risk.
5. After compeltion of the evaluation, appropriate nutritional advice will be given.
6. They will then deliver the WIC card with the product loaded being indicated by the staff of the WIC clinic that holds for each month approved.

WIC classes online Houston Texas Classes Online

For keep the benefit in Texas WIC you must do the WIC Texas classes online, this can be at the classroom or online classes.
Wic Texas classes online program can be taken online through the link https://texaswic.dshs.state.tx.us/wiclessons/splash/ for you wic class
There you select the wic class you want to take, it is super simple and interactive.
After complete my wic class you are given a certificate which you can print, photograph with your phone or note the certificate number to deliver to the attendant who attends you on your next visit to the wic clinic that corresponds to attend.

Medicaid Texas is a health program that helps to persons or families with low incomes, childrens, pregnant woman, and another cases to pay medical bills.

This program is depends about your family annual incomes.

Next, I am going to explain more about this healthy program in United States, specifically in Texas.

Aquí en español.

How does Medicaid Texas work?

Texas Medicaid eligibility 

Do you know about your Texas Medicaid eligibility? Are you elegibility for this benefit?
If you want to get Medicaid in Texas you have to any of this:

• Be older than 65 years old.
• Be less than 19 years old.
• Be pregnant
• Any disability
• Be a parent o adult person that care a child.

Texas Medicaid income limits

The income for get Medicaid in texas has to be less than the Federal Poverty Level for the currently year. For more information you can chek here

What does Medicaid cover?

Medicaid cover almost all the medical services.
Some of theme are:

• Visit to the doctor and the clinic.
• Visit to the hospital.
• Emergencies.
• Medicine.
• Glasses.
• Laboratory tests and x-rays.
• Pregnancy and childbirth.
• Dentist.
• Care of pacients who needs it at home.
• Drug and alcohol related treatments

In Medicaid Texas you can call for more information at 1-800-252-8263 or Texas Medicaid number customer service 1-800-335-8957

Medicaid application Texas

Do you know how to apply for Medicaid in Texas?
You can apply for Medicaid in Texas in Health and Human Services Offices near to your home.
Also your Medicaid appliation Texas can be doing in the web site Your Texas Benefits here  and check how is your case any time.

Pregnancy Medicaid Texas

Pregnancy in Medicaid Texas is cover for everything.
From pregnant to birth... Everything! and then your baby gonna have childre's Medicaid Texas.

Medicaid Texas benefits card or Medicaid Your Texas Benefits

This is a card with your ID in Medicaid, and another information necessary for your benefits.
The Medicaid card must to be with you like a credit card, especially if you go to the doctor, pick up a medicine or go to the hospital
If you lose your card you have to call at 1-855-827-3748  for request a new one.

How can I get my medicines with Medicaid Texas?

Medicaid pays almost all the medicines. For this you must request the prescription from your doctor and go to the pharmacy that accepts Medicaid for pick up.
Some medicines are limited to three for month. If your medicine is for not smooking is not going to have limit.

Medicaid also give you medical equipment 

This health program provides free diabetes supplies, such as monitors, syringes, lancets, tests, and others one.
It also supplies inhalers for asthma and other respiratory diseases, hypertonic saline solutions inhalable for the treatment of cystic fibrosis, vitamins and minerals for people under 20 years.

If you need go to the doctor, dentist or pharmacy

Any person that receiving this benefits, may request transportation to your appointment, dentist, lab test or the pharmacy.
Transportation can be tickets for the bus, taxi or gas reimbursement for you car.
If you are in Texas Medicaid and you need transportation you must to call at least two days before. If your doctor is in another county you must to call at least five days before your appointment.

Texas Medicaid phone number for transportation are:

1-855-687-3255 if you live in Dallas, Denton, Ellis, Erath, Hood, Hunt, Johnson, Kaufman, Navarro, Palo Pinto, Parker, Rockwall, Somervell o Tarrant
1-855-687-4786 if you live in Austin Brazoria, Chambers, Fort Bend Galveston, Hardin, Harris, Jasper, Jefferson, Liberty, Matagorda, Mongomery, Newton, Orange, Polk, San Jacinto, Tyler, Walker, Waller o Wharton.
1-877-633-8747 in any other county

From tipsparaempresas.com  

Even when we continue to receive any amount of marketing by mail, the trend towards email marketing.
Currently most people use smartphones in which they check their email at least once a day unlike the post box that is reviewed once a week at best.
If you are Blogger, you have your online business, online sales, or a page to promote your business, email marketing is the ideal way to keep your customers connected to your company or blog.

What is email marketing?

Email marketing is nothing more than sending the same advertising that you send by postal mail but by email.
If you have a company and you want to attract customers, sell your products or services, advertise your offers, you should look for a platform that allows you to send mass emails and reach many more people with the least effort.
If you are Blogger and you want to sell your infoproduct you need a good email marketing strategy, gaining your trust and converting your subscribers into clients.
There are different platforms that offer the service of email marketing that offer a powerful tool for email marketing with a capacity to send 75,000 emails per month.

Advantages of email marketing

• You get more people in less time.
• The cost is considerably lower than print advertising marketing.
• It allows you to connect with your subscribers, earning their trust.
• By gaining the trust of your client you can add value to your emails generating loyalty.
• With an email marketing software you can segment your subscribers, which allows you to customize what you offer to each group of subscribers.

Disadvantage of email marketing

• The cost of software for email marketing can be high when you exceed a certain number of subscribers, however, the greater the number of subscribers, the greater the number of sales.
• You must be convincing with your emails since as you send emails others also do it. You must know to send interesting content that calls the attention of the user so that it is motivated to open your emails when you send them.
• You must have knowledge of marketing to send the content that most impacts and convert your subscriber into client.

What kind of content should I send?
The content to be sent will depend on the objective of the campaign you are making, on this the content that you are going to create depends on it.
If your goal is to gain the subscriber's trust, your content should include your history and your business background. The idea is that the subscriber connects with you and your anecdotes.
If on the other hand your goal is to generate traffic for your blog you must create a sequence of emails that invite you to access the posts of your blog.
Now if what you want is to sell you must send interesting offers that adapt to the segment of the market to which you send your emails, but your subscribers will stop opening your emails.

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Your list of subscribers is one of the most valuable assets you have, take advantage of it to the maximum since without clients there is no company.

How to increase your credit score

For all who live in the United States is vital to maintain your credit score, as this will facilitate many things like buying a car, buying a house, freeing down or deposits when renting or buying a good, among other things.
These are just some of the advantages of having good credit.
But, what happens if your credit was affected by some debt that you did not pay on time?

How to increase your credit score

Or a car that the dealer took away from you?
Or a debt that is not yours and comes out in your report?

What is the credit or credit score?

The credit score is a number calculated based on different factors.
It is unique to each person and goes hand in hand with your social security number.
When you are going to ask for a credit in any company, the first thing they ask you is your social security number, this is to verify your credit.
The information generated by that credit score details how many debts you have, what amount you add to those debts, if you pay your debts on time, among other things.
This is why it is important to maintain our credit score.

Who calculates the credit score?

There are three credit bureaus that measure the credit score of each person according to certain criteria, which are TransUnion, Equifax and Experian.
The credit companies are responsible for reporting to these bureaus in order to keep the credit score of each person updated.
For example, if you approve a credit to buy a car, the financial institution that approves the credit will report to each of these bureaus the opening of your new credit.
Also, each time you make a payment to this credit, the financial institution will report your payment, on time or not, and how much your debt decreased.
The same happens with credit cards, banks notify credit bureaus when they approve a credit card, as well as the amount you owe and payments made.
This information will build your credit score.
TransUnion could be said to be one of the most updated since it is the one that receives the most reports from credit institutions, however when they check your credit score they check the three bureaus.

What is FICO?

FICO is a company that is responsible for measuring the credit risk that a consumer has.
It is a score that predicts the chances of a person paying a loan on time.
The FICO company was the first to develop a method to calculate the credit score or credit scores, but the most used by banks is FICO.
The FICO score may be different from that presented in the three credit bureaus mentioned above because the parameters used to measure are different.

What do these credit bureaures measure?

All bureaus do not use the same measurement parameters or the same calculation formula.
They are generally based on the information that the creditors report to each company.
What they measure mainly is:

• How many credit accounts do you have open?
• How long have you had these accounts.
• How close you are to your credit limit.
• What percentage of credit you have left?
• Punctuality in payments.
• Antiquity of your credit score.

What number is a good credit score

The credit score can range from 300 to 850 points.

• Between 300 and 599 very bad
• Between 600 and 649 poor
• Between 650 and 699 fair
• Between 700 and 749 Good
• Between 750 and 799 Very good
• Between 800 and 850 Excellent

How to increase and maintain my credit score

Increase and maintain your credit score can only be achieved by doing things right, correctly.
Some recommendations to raise your credit score are:

• Pay on time. This is the most important point of all. If you pay your bills on time you will add many points to your credit score.
• Do not close the cycle of the credit card with more than 30% of your credit limit. In other words, do not use your entire credit limit, keep it below 30%
• Be careful when closing accounts. There are credit cards that offer you to bring all your debts to a single account, this can hurt you because you will be using a high percentage of your credit limit.
• Do not apply for credits you do not need. If you apply for a large amount of credits in the short term, it can be seen that your economic conditions have not improved.
• The longer you have your credit the better. This will give more history to your way of handling your credit.

What are collecting agencies

When you do not pay a debt on time, the financial institutions pass this debt to the collection agencies who are responsible for collecting the money and leaving a large mark on the credit score.
This not only applies to vehicle or home loans, but also to small debts such as an electricity bill that, if not paid, goes to the collection agency and the credit score.
This is why it is important to have the accounts paid up to date, and if they can not be paid then make a payment agreement to avoid your score being affected.

What to do if something comes out that is not yours

If any of the credit bureaus reports a debt that is not yours, you must open a claim.
When the credit report is received, it must be verified that all the information reflected there is correct.
From the name, telephone number or address to the balances on credit cards.
Everything that is reflected there must be correct.
Accounts that have been closed must appear closed.
This is why, if a credit report is received with information that is not correct, a claim must be opened immediately before the company that is issuing the report and before the credit bureau that presents the error.

Where to get my credit report

Visit annualcreditreport.com or call 877-322-8228 to get a free credit report once every 12 months.
This report will indicate the credit information contained in the three major credit or credit bureaus.

Source tipsparaempresas.com

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