Medicare/Medicaid

Medicaid- What is it?

Good health is important to everyone. If you can’t afford to pay for medical care right now, Medicaid can make is possible for you to get the same care that you need so that you can get healthy- and stay healthy.

Medicaid is available only to certain low-income individuals and families who fit into an eligibility group that is recognized by federal and state law. Medicaid does not pay money to you; instead, it send payments directly to your health care providers. Depending on your state’s rules, you may also be asked to pay a small part of the cost (co-payment) for some medical services.

Medicaid is a state administered program and each state sets it’s own guidelines regarding eligibility and services.

Many groups of people are covered by Medicaid. Even within these groups, though, certain requirements must be met. These may include you age, whether you are pregnant, disabled, blind, or aged; your income and resources (like bank accounts, real property, or other items that can be sold for cash); and whether you are  a U.S citizen or lawfully admitted immigrant. The rules for counting your income and resources vary from state to state and from group to group. There are special rules for those who live in nursing homes and for disabled children living at home.

In general, you should apply for Medicaid if your income is low and you match one of the groups descriptions of the Eligibility Groups. (Even if you are not sure whether you qualify, if you or someone in your family needs health care, you should apply for Medicaid and have a qualified caseworker in your state evaluate your situation).

What is not covered?

Medicaid does not provide medical assistance for all poor persons. Even under the broadest provision of the Federal statues (except for emergency services for certain persons), the Medicaid program does not provide health care services, even for very poor persons, unless they are in one of the designated groups. Low income is only one test for Medicaid eligibility; assets and resources are also tested against established thresholds. As noted earlier, categorically needy persons who are eligible for Medicaid may or may no also receive cash assistance from the TANF program or from the SSI programs. Medically needy persons who would be categorically eligible except for income or assets may become eligible for Medicaid solely because of excessive medical expenses.

Medicaid is health insurance that helps many people who can’t afford medical care pay for some or all of their medical bills.

For more information on Medicaid visit the website at: www.medicaid.com

Above information reprinted form www.medicare.gov

 
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