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How to Apply for Medicaid

Auther: Usseek

Created On: 10/18/2019 6:30:00 PM

WHAT IS MEDICAID?

Medicaid is a health insurance program from the federal and state governments for people with low-income levels. The program provides free or medical benefits at subsidized costs for the eligible low-income earning adults, children, seniors, differently abled people, and pregnant women. The program is an initiative of the government to provide health care benefits to people whose income levels are below the Federal Poverty Level (FPL).

WHO IS ELIGIBLE?

Each state has its own eligibility criteria and offers certain mandatory health care services. It is not uncommon for some states to cover non-mandatory facilities like dental and or psychological care too. Despite the divergent criteria for eligibility, the common features are dependent on one or a combination of

  • Age
  • Family size
  • Income level
  • Disability
  • Pregnancy

In some states, the government health care program covers all low earning adults below a specified income limit. At the outset, eligibility depends on where you fall in the FPL and whether your state has expanded the Medicaid. While some states have chosen to expand Medicaid programs to include all people with income below a specified limit, others have maintained the status quo.

In states which have expanded the Medicaid program coverage, your eligibility is based on income level alone. Other factors like age, family size, disability or pregnancy are not considered for qualification under the expanded program. For a few states, the minimum income qualification is fixed at 133% of FPL. Note that the percentage is usually 138 when other calculations are included for determining eligibility.

In states which have not chosen to expand the Medicaid program, your eligibility for the health care under Medicaid program is decided by the state after considering the above-said criteria like age, etc. Some states allow you to apply for Medicaid even if you are an immigrant or for an immigrant in the family. Similarly, people who are American Indian or a Native Alaskan and are in receipt of tribal or urban Indian Health Insurance can also apply for Medicaid.

HOW TO APPLY FOR MEDICAID?

There are two ways to apply for coverage under Medicaid.

1. Visit your state medical website. You must be a resident of the state where you are applying. Log on to www.HealthCare.gov and fill out the application. You need to create your online profile with complete details such as

  • Full Name
  • Date of Birth
  • Contact details like email or postal address
  • Phone number
  • Social Security Number
  • Self and family income details

Among others, some states like California allow postal or email applications too. Ensure to provide accurate and full details to avail the best of Medicaid program. Misleading or inaccurate information might impact your chances negatively.

2. Fill the application in the Health Insurance Marketplace. It is available once you access the federal healthcare website. After entering your area zip code, it may redirect you to your respective state health department website, if they have one. If not, you can verify your eligibility in your state from the Marketplace quick screener. Create a profile and start filling out the application. It will give you an overall idea of your eligibility status.