(855)-758-2227

Medicare Advantage Plans

Starting At $0/ Month

Just give us a little information,
and find out if you have $0 Premium Plans in your area.

Medicaid Helps Individuals With Low Income

An emergency, even regular medical care can cost thousands of dollars, leaving many people without the finances to get the care they deserve. How does Medicaid help people pay medical bills? A state and federally-funded health insurance program, Medicaid is designed to help low-income adults, children, pregnant women, and seniors get the medical care they need. To be eligible for benefits, recipients must meet the required income level and family size. If you are interested in learning more about Medicaid assistance, here is some information that can help.

Eligibility

Currently, Medicaid provides health coverage to over 70 million seniors, children, pregnant women, and those with disabilities. Income-based eligibility is determined using the federal poverty level, which is updated annually. Since 2014, when the Affordable Care Act passed, Medicaid eligibility has expanded. However, in addition to placing income requirements on recipients, states may charge enrollees a premium, along with copayments, deductibles, and coinsurance for receiving benefits. Children and pregnant women are excluded from many of these fees, but all applicants must meet state and federal requirements concerning residency, immigration status, and documentation of U.S. citizenship.

Coverage

While Medicaid benefits vary from state to state, each state must meet certain mandatory federal minimum requirements. In general, the program pays for basic inpatient and outpatient hospital services, nursing and home health care, laboratory and x-ray services, pediatric care, and necessary medical equipment. Many states have expanded the mandatory federal minimums to include benefits for physical, occupational, and speech therapy, optometry, podiatry, dental and vision care, chiropractic services, hospice care, and more. Often, benefits are provided through Medicaid that are not covered by Original Medicare, such as personal care and homemaker services. In some cases, Medicaid covers out-of-pocket expenses associated with Medicare, like premiums, deductibles, and coinsurance.

Dual Enrollment

Dual eligibility in both Medicaid and Medicare is common, and millions of seniors receive benefits from both programs. As a Medicare recipient with low income, Medicaid may be able to help pay for out-of-pocket expenses associated with Original Medicare. In addition, Medicaid often covers treatment and services not typically covered by Medicare, such as prescription drugs, eyeglasses, and hearing aids. If you qualify for Medicaid benefits, you may be eligible to receive retroactive coverage that can help pay for medical debts you incurred up to three months before applying.

 

 

 

 

 

 

 

 

References:

https://www.medicaid.gov/medicaid-chip-program-information/by-topics/eligibility/seniors-and-medicare-and-medicaid-enrollees.html

https://www.medicaid.gov/medicaid-chip-program-information/by-topics/cost-sharing/cost-sharing.html

https://www.medicaid.gov/medicaid-chip-program-information/by-topics/eligibility/eligibility.html

MUC16-2016-BCBS

Leave a Reply

Your email address will not be published. Required fields are marked *

Testimonial Doug really made me feel at ease with my decision to keep my doctors. Thank you for making this an easy transition. Arthur Brown, Albuquerque
Testimonial Marc was so patient in explaining the benefits to me. After he left I felt as if I understood my benefits better than I ever had in the past. Thank you for having him come out to my house to meet with me. Cecilia Garcia, Albuquerque
Testimonial Beverly, Bless your heart for helping me during this transition. I was scared and confused and didn’t know who to turn to. After coming to speak with you I felt at ease. I am glad that I am all taken care of and don’t have to worry about losing my doctor. Teresa Duran, Albuquerque

Latest News

Read all the news

Medicare Part A and B Coverage

Like most seniors, there’s a good chance you’ve heard of Medicare – you may even know that it’s a federally…
Read more

Medicare Supplement – Coverage for Out-of-Pocket Expenses

Medicare Supplement insurance (also called Medigap) offers seniors coverage for out-of-pocket expenses associated with Medicare like copays and coinsurance, and…
Read more

Is Medicare Advantage a Good Deal?

Medicare Advantage (MA or Part C), is a popular alternative to traditional Medicare. Since 2010, enrollment increased by 71 percent,…
Read more

Medicare Part D Prescription Coverage

Original Medicare (Part A and Part B) does not include benefits for prescription drugs. While you are not required to…
Read more

Medicare Enrollment Checklist

9 to 12 months before you turn 65 Confirm that you are eligible to receive Medicare benefits by calling the Social Security…
Read more