Monday, March 31, 2014

The Basics Of Medicaid




Medicaid may seem like an extremely complex concept. While it’s true that there are many components to it, understanding Medicaid is not impossible by any means. Nonetheless, if you are an individual who is pursuing Medicaid as it relates to your unique situation, the sooner you learn about what Medicaid means to you, the better. You can begin by grasping the basics.

All You Really Need To Know About Medicaid
Understanding the basics of Medicaid can be invaluable. Once you have a solid foundation, the particulars will become much easier to comprehend.

If you are just beginning to research Medicaid, here is all you really need to know:

·         The first thing you need to know about Medicaid is its basic function. The purpose of Medicaid is to provide individuals and families who are struggling in low-income situations with access to the health care services they need. This can be provided free of charge, but in some cases a very small cost is involved.

·         You must be a citizen or lawful permanent resident to apply. Certain exceptions are made for emergency situations (such as a pregnant woman going into labor).

·         Funding for Medicaid is made possible through the federal government and the states.

·         Medicaid goes by a different name in some states. For example, it is known as Medi-Cal in the state of California. 



·         Each state is responsible for the management of its Medicaid program. Because of this, the particulars (who qualifies, what requirements need to be met, and so forth) can vary considerably from one state to the next. However, the general basics of Medicaid are largely the same across the country.

·         Overall, all states require that an individual or family have little-to-no income and even fewer assets. It is important to keep in mind that not everyone with little-to-no-income and minimal assets will qualify for Medicaid. 

·         Medicaid eligibility is broken down into several categories. These categories can include pregnancy, physical/emotional disability, or those individuals who are over the age of sixty-five.

·         For disabled individuals, qualifying for SSI automatically qualifies them to receive Medicaid benefits.
·         Medicaid can be available to women suffering from breast or cervical cancer, even if their income is higher than the level normally associated with Medicaid. 

·         Pregnant mothers who qualify for Medicaid should keep in mind that doing so also qualifies their child for Medicaid for up to one year.

·         Changes to Medicaid have been made through the Affordable Care Act, although some states do not participate in these changes. These changes were designed to broaden the reach of those who can apply for Medicaid. It is worth seeing if your state has accepted such changes.

·         The services Medicaid will pay for will also vary from state to state. However, certain services are covered regardless of state. 

·         Medicaid services are administered through a managed care organization.

To Apply For Medicaid

Applying for Medicaid begins by contacting your state’s agency. This can be found online. If you are denied Medicaid coverage, an appeal is possible.


How to Find Free Baby Products for Low Income Families



Being a low income family requires individuals to save money in every area that they can in order to be able to afford necessities such as food and shelter.  With the ability to find free baby products, low income families can get rid of the costs that would otherwise be associated with ensuring that your baby is comfortable.  There are a variety of interesting resources that low income families can use to acquire baby products that they would otherwise spend an ample amount of money on.  For low income families looking to experience the benefits associated with free products, the below resources can be quite advantageous.

1. Freebie Websites

There are an ample amount of websites that provide users with the opportunity to earn freebies without having to meet low income qualifications.  These websites are generally designed to be forums where other users can post information about companies that are giving away free products.  The majority of freebies require a small amount of personal information including your first name, last name, and your mailing address.  Once you have signed up for the offers, the companies will send the products to your home for free.  Freebies are extremely popular amongst many internet users – not only low income families.

2. Coupon Websites

Although the majority of coupons require that you make a purchase before you can reap the benefit of the savings, coupon websites can provide special deals for free products.  Although you may be a low income family, you may be able to use coupons to purchase on product and receive a second product for little to no cost.  As an example, if you purchase one bottle of shampoo, you may be able to get a second bottle of shampoo for free.  Even though this method can be more expensive than freebies, it can still help low income families to cut costs when buying baby products.



3. Hand-Me Downs

Hand-me downs can be incredibly useful for new parents and existing parents who are finding it difficult to afford baby products from stores.  The majority of families have an ample amount of different baby products that they may have purchased and are unable to use or clothing that their children may have grown out of.  With the use of hand-me downs you will be acquiring second-hand clothing, but it will be for zero cost – perfect for low income families.  Another benefit associated with hand-me downs is that they are generally given from other people in your family, rather than complete strangers, so you know that the quality of the goods will be above standard.

With the use of your family and the internet, getting free baby products can be extremely simple.  Rather than having to spend hundreds of dollars on different products such as shampoo, clothing, and formula, there are options available to low income families who are unable to afford certain things that their baby may need.  Low income options are readily available if you know where to look.