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What is Medicaid Insurance and What 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. This free health insurance is available to many low-income citizens. Although it is a federal program, whether or not you qualify will be determined by your state guidelines.

Medicaid is a no cost health insurance program designed to help children, senior citizens and people who have a physical handicap. This state sponsored medical insurance is also available to low-income individuals who are in need of health insurance. As a result, these individuals can receive health insurance benefits if they qualify for this type of assistance.

What States Provide Medicaid Insurance?

Once again, the federal government offers Medicaid insurance. All states and the District of Columbia currently 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 what the guidelines are for your state. This will help you determine if you qualify for Medicaid and what services you may receive.

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 for SSI and SSA are typically eligible for Medicaid. Most receive Medicaid benefits when they start to obtain their SSI and SSA payments. Check with your local or county services to make sure you are receiving all the benefits you are entitled to.

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. In other words, there are monthly income limits depending on the size of your family. However, since these limits receive frequent updates, please make sure to check what the limits are for your state currently. Just because you didn’t qualify once doesn’t mean you will never qualify. Circumstances change and, unlike Marketplace coverage, you can apply for Medicaid any time of year.

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 pregnant women who do not have health insurance should 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 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.