Understanding Medicaid

Reviewed Jun 2, 2017

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Summary

  • Find out if Medicaid is right for you.
  • Learn how to apply for Medicaid or other low-cost aid.
  • Learn how Medicaid works with Medicare and new U.S. health care laws.

Medicaid covers health costs for people with low income. It gives free or low-cost care to more than 69 million people, many of whom have jobs. The program covers a wide range of people, such as:

  • Pregnant women
  • Children and families
  • People with disabilities
  • Senior citizens

There are rules about who should be covered. The same is true for which health care costs must be covered. Even though there are rules, states are trying to cover more people for more services.

Who can get Medicaid?

The federal government and the states work together to offer health care to people in need. Right now, this means that you may be able to get this aid if you make less than $11,670 per year as a single person or $23,850 if you are in a family of four. But in many states, you can get aid if you make up to $16,243 if you are a single person or $33,465 if you are in a family of four. Even if you make more than these amounts, you should still apply online at the Health Insurance Marketplace. This step will help you learn if Medicaid or other low-cost plans are right for you.

What does Medicaid cover?

State programs must cover many costs, such as:

  • Hospital care
  • Care visits for preventing and treating health problems
  • Lab tests and X-rays
  • Nursing home and home health care
  • Family planning  care
  • Certain health clinic visits
  • Help quitting smoking for pregnant women

Many states also cover other costs such as dental care and medicines. You can look up your state’s program on the HealthCare.gov website to find out which costs are covered.

May I use Medicaid for my kids?

Some people can use Medicaid for their kids, but sometimes people who work make too much money to get Medicaid. The good news is that there is help. In most states, the Children’s Health Insurance Program (CHIP) covers kids younger than 19 whose parents earn up to $49,959 per year for a family of four.

How does the Affordable Care Act affect Medicaid?

The Affordable Care Act (ACA) states that all people need to have health insurance. If you have Medicaid, you do not need any other plan. In fact, part of the ACA calls for Medicaid to cover more adults in many states. The ACA also lets states offer plans to people who earn too much for Medicaid, but find other plans too costly. This “Basic Health Program” may be offered by your state.

I work part-time. Can I get Medicaid?

If the place you work for does not offer health plans, you may be able to get Medicaid. You may also be able to buy a cheaper plan through the Health Insurance Marketplace. If your work does offer it, you may still be able to find something cheaper if the plan:

  • Costs too much
  • Does not cover enough

You can find out if your plan meets key standards at 1-800-318-2596.

How is Medicare different?

Medicare is aid for people age 65 or older and younger people with certain health problems. You can get both types of aid at the same time. Medicaid covers some health care costs not covered by Medicare.

Where can I join or get more information?

Getting Medicaid depends on what you can afford and the size of your family. You can find out if you can get free or low-cost help in one of two ways:

  1. Visit your state’s Medicaid website.
  2. Apply in the Health Insurance Marketplace. After you apply online, you will see which plans you can get. Your state will be called if Medicaid is right for you so that you may join.

Health care is vital for all of us. If you need help with costs, apply. While there are special timeframes for private plans, you can apply for Medicaid or CHIP any time of the year. What’s more, help with costs can start right away.

By Sarah Stone
Source: The Henry J. Kaiser Family Foundation, The Medicaid Program at a Glance, http://kff.org/medicaid/fact-sheet/the-medicaid-program-at-a-glance-update/; The Centers for Medicare & Medicaid Services, www.medicare.gov/your-medicare-costs/help-paying-costs/medicaid/medicaid.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Eligibility.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Benefits/Medicaid-Benefits.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Downloads/2014-Federal-Poverty-level-charts.pdf, www.healthcare.gov/do-i-qualify-for-medicaid, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Benefits/Medicaid-Benefits.html; Center for Medicaid & CHIP Services, Final Rule for Establishment of the Basic Health Program and 2015 Payment Notice, March 7, 2014; www.healthcare.gov/what-if-my-state-is-not-expanding-medicaid; www.medicaid.gov/AffordableCareAct/Affordable-Care-Act.html; www.healthcare.gov/what-if-im-a-part-time-employee-without-health-coverage

Summary

  • Find out if Medicaid is right for you.
  • Learn how to apply for Medicaid or other low-cost aid.
  • Learn how Medicaid works with Medicare and new U.S. health care laws.

Medicaid covers health costs for people with low income. It gives free or low-cost care to more than 69 million people, many of whom have jobs. The program covers a wide range of people, such as:

  • Pregnant women
  • Children and families
  • People with disabilities
  • Senior citizens

There are rules about who should be covered. The same is true for which health care costs must be covered. Even though there are rules, states are trying to cover more people for more services.

Who can get Medicaid?

The federal government and the states work together to offer health care to people in need. Right now, this means that you may be able to get this aid if you make less than $11,670 per year as a single person or $23,850 if you are in a family of four. But in many states, you can get aid if you make up to $16,243 if you are a single person or $33,465 if you are in a family of four. Even if you make more than these amounts, you should still apply online at the Health Insurance Marketplace. This step will help you learn if Medicaid or other low-cost plans are right for you.

What does Medicaid cover?

State programs must cover many costs, such as:

  • Hospital care
  • Care visits for preventing and treating health problems
  • Lab tests and X-rays
  • Nursing home and home health care
  • Family planning  care
  • Certain health clinic visits
  • Help quitting smoking for pregnant women

Many states also cover other costs such as dental care and medicines. You can look up your state’s program on the HealthCare.gov website to find out which costs are covered.

May I use Medicaid for my kids?

Some people can use Medicaid for their kids, but sometimes people who work make too much money to get Medicaid. The good news is that there is help. In most states, the Children’s Health Insurance Program (CHIP) covers kids younger than 19 whose parents earn up to $49,959 per year for a family of four.

How does the Affordable Care Act affect Medicaid?

The Affordable Care Act (ACA) states that all people need to have health insurance. If you have Medicaid, you do not need any other plan. In fact, part of the ACA calls for Medicaid to cover more adults in many states. The ACA also lets states offer plans to people who earn too much for Medicaid, but find other plans too costly. This “Basic Health Program” may be offered by your state.

I work part-time. Can I get Medicaid?

If the place you work for does not offer health plans, you may be able to get Medicaid. You may also be able to buy a cheaper plan through the Health Insurance Marketplace. If your work does offer it, you may still be able to find something cheaper if the plan:

  • Costs too much
  • Does not cover enough

You can find out if your plan meets key standards at 1-800-318-2596.

How is Medicare different?

Medicare is aid for people age 65 or older and younger people with certain health problems. You can get both types of aid at the same time. Medicaid covers some health care costs not covered by Medicare.

Where can I join or get more information?

Getting Medicaid depends on what you can afford and the size of your family. You can find out if you can get free or low-cost help in one of two ways:

  1. Visit your state’s Medicaid website.
  2. Apply in the Health Insurance Marketplace. After you apply online, you will see which plans you can get. Your state will be called if Medicaid is right for you so that you may join.

Health care is vital for all of us. If you need help with costs, apply. While there are special timeframes for private plans, you can apply for Medicaid or CHIP any time of the year. What’s more, help with costs can start right away.

By Sarah Stone
Source: The Henry J. Kaiser Family Foundation, The Medicaid Program at a Glance, http://kff.org/medicaid/fact-sheet/the-medicaid-program-at-a-glance-update/; The Centers for Medicare & Medicaid Services, www.medicare.gov/your-medicare-costs/help-paying-costs/medicaid/medicaid.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Eligibility.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Benefits/Medicaid-Benefits.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Downloads/2014-Federal-Poverty-level-charts.pdf, www.healthcare.gov/do-i-qualify-for-medicaid, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Benefits/Medicaid-Benefits.html; Center for Medicaid & CHIP Services, Final Rule for Establishment of the Basic Health Program and 2015 Payment Notice, March 7, 2014; www.healthcare.gov/what-if-my-state-is-not-expanding-medicaid; www.medicaid.gov/AffordableCareAct/Affordable-Care-Act.html; www.healthcare.gov/what-if-im-a-part-time-employee-without-health-coverage

Summary

  • Find out if Medicaid is right for you.
  • Learn how to apply for Medicaid or other low-cost aid.
  • Learn how Medicaid works with Medicare and new U.S. health care laws.

Medicaid covers health costs for people with low income. It gives free or low-cost care to more than 69 million people, many of whom have jobs. The program covers a wide range of people, such as:

  • Pregnant women
  • Children and families
  • People with disabilities
  • Senior citizens

There are rules about who should be covered. The same is true for which health care costs must be covered. Even though there are rules, states are trying to cover more people for more services.

Who can get Medicaid?

The federal government and the states work together to offer health care to people in need. Right now, this means that you may be able to get this aid if you make less than $11,670 per year as a single person or $23,850 if you are in a family of four. But in many states, you can get aid if you make up to $16,243 if you are a single person or $33,465 if you are in a family of four. Even if you make more than these amounts, you should still apply online at the Health Insurance Marketplace. This step will help you learn if Medicaid or other low-cost plans are right for you.

What does Medicaid cover?

State programs must cover many costs, such as:

  • Hospital care
  • Care visits for preventing and treating health problems
  • Lab tests and X-rays
  • Nursing home and home health care
  • Family planning  care
  • Certain health clinic visits
  • Help quitting smoking for pregnant women

Many states also cover other costs such as dental care and medicines. You can look up your state’s program on the HealthCare.gov website to find out which costs are covered.

May I use Medicaid for my kids?

Some people can use Medicaid for their kids, but sometimes people who work make too much money to get Medicaid. The good news is that there is help. In most states, the Children’s Health Insurance Program (CHIP) covers kids younger than 19 whose parents earn up to $49,959 per year for a family of four.

How does the Affordable Care Act affect Medicaid?

The Affordable Care Act (ACA) states that all people need to have health insurance. If you have Medicaid, you do not need any other plan. In fact, part of the ACA calls for Medicaid to cover more adults in many states. The ACA also lets states offer plans to people who earn too much for Medicaid, but find other plans too costly. This “Basic Health Program” may be offered by your state.

I work part-time. Can I get Medicaid?

If the place you work for does not offer health plans, you may be able to get Medicaid. You may also be able to buy a cheaper plan through the Health Insurance Marketplace. If your work does offer it, you may still be able to find something cheaper if the plan:

  • Costs too much
  • Does not cover enough

You can find out if your plan meets key standards at 1-800-318-2596.

How is Medicare different?

Medicare is aid for people age 65 or older and younger people with certain health problems. You can get both types of aid at the same time. Medicaid covers some health care costs not covered by Medicare.

Where can I join or get more information?

Getting Medicaid depends on what you can afford and the size of your family. You can find out if you can get free or low-cost help in one of two ways:

  1. Visit your state’s Medicaid website.
  2. Apply in the Health Insurance Marketplace. After you apply online, you will see which plans you can get. Your state will be called if Medicaid is right for you so that you may join.

Health care is vital for all of us. If you need help with costs, apply. While there are special timeframes for private plans, you can apply for Medicaid or CHIP any time of the year. What’s more, help with costs can start right away.

By Sarah Stone
Source: The Henry J. Kaiser Family Foundation, The Medicaid Program at a Glance, http://kff.org/medicaid/fact-sheet/the-medicaid-program-at-a-glance-update/; The Centers for Medicare & Medicaid Services, www.medicare.gov/your-medicare-costs/help-paying-costs/medicaid/medicaid.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Eligibility.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Benefits/Medicaid-Benefits.html, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Eligibility/Downloads/2014-Federal-Poverty-level-charts.pdf, www.healthcare.gov/do-i-qualify-for-medicaid, www.medicaid.gov/Medicaid-CHIP-Program-Information/By-Topics/Benefits/Medicaid-Benefits.html; Center for Medicaid & CHIP Services, Final Rule for Establishment of the Basic Health Program and 2015 Payment Notice, March 7, 2014; www.healthcare.gov/what-if-my-state-is-not-expanding-medicaid; www.medicaid.gov/AffordableCareAct/Affordable-Care-Act.html; www.healthcare.gov/what-if-im-a-part-time-employee-without-health-coverage

The information provided on the Achieve Solutions site, including, but not limited to, articles, quizzes, and other general information, is for informational purposes only and should not be treated as medical, health care, psychiatric, psychological or behavioral health care advice. Nothing contained on the Achieve Solutions site is intended to be used for medical diagnosis or treatment or as a substitute for consultation with a qualified health care professional. Please direct questions regarding the operation of the Achieve Solutions site to Web Feedback. If you have concerns about your health, please contact your health care provider.  ©2017 Beacon Health Options, Inc.

 

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