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.