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What is Medicaid and What Medical Services Are Available With This Program

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Medicaid is health insurance that is provided by the U.S. government and by various state governments around the country. This program provides health insurance for low-income individuals.

It is a program designed to help children, senior citizens and people who have a physical handicap. As a result, these individuals can receive monthly payments if they qualify for this type of assistance.

What States Provide Medicaid?

Once again, the federal government offers Medicaid insurance. At least 32 states and the District of Columbia also provide this health insurance coverage. Subsequently, each state has their own rules for who qualifies and how to file. You can check with your county services to see if your state offers Medicaid.

SSI and SSA and How They Apply to Medicaid

SSI and SSA are the letters that stand for Supplemental Security Income and Social Security Administration. The application process for these are often used for the Medicaid process as well.

People who qualify SSI and SSA are typically eligible for Medicaid. Most receive Medicaid benefits when they start to obtain their SSI and SSA payments.

General Medicaid Requirements

Those who have an income that is below 100 percent of the federal poverty guideline are usually eligible for Medicaid. Federal and state governments have income guidelines that they use for various programs. These guidelines are based on your adjusted gross income.

Non-Financial Eligibility Requirements

Other requirements for Medicaid include being a U.S. citizen and a resident of the state where you are applying. Certain kinds of qualified non-citizens can also receive this benefit. States have their own rules for this situation. In addition, all uninsured pregnant woman are encouraged to apply.

Information about Coverage

Qualified Medicaid applicants will receive coverage on the date of their application or on the first day of the month of the application.  In fact, applicants can receive coverage for up to 3 months prior to the month of application. This simply means that if a person has medical bills 3 months prior to applying, Medicaid will pay these bills. However, current applicants can be disqualified if they are no longer eligible.

Medical Needy Qualifications

Some U.S. citizens who have severe medical problems can also receive this benefit. If a person with severe medical issues has a low income that meets the standard requirement; they will usually receive coverage. As a result, extra medical related expenses that a person incurs during illness will be covered.

How Does Medicaid Work ?

Medicaid provides the same service as Medicare. However, Medicaid covers some things that Medicare does not. Recipients can also get premiums, co-payments covered. Some Medicaid applicants can also receive care for long-term nursing assistance.

Medical Benefits Provided by Medicaid

Medicaid provide two types of benefits. One type is for standard benefits and the other is for optional benefits. Standard coverage is for inpatient hospital services, outpatient hospital service and services for nursing and home health aides. Optional benefits are for prescription drugs, physical services and clinic services. Medicaid also covers eyeglasses, dentures and dental services. Additionally, occupational therapy, rural health care and midwife services are covered.  These services and many more are provided as needed from Medicaid.

Medicaid Payment Amounts

A person’s Medicaid payment coverage will vary by individual and by the amount that they have been awarded. Medicaid payments are to be used for medical related services and nothing else. Also, payments can vary if a there is a change to their medical situation.

Medicaid.gov

Medicaid.gov provides more information about this form of health coverage. If a person does not live within a state that offers this service, try looking into federal Medicaid assistance. The Medicaid.gov website will describe everything a person needs to know about this service.