Brad deals with his cerebral palsy every day. Rosie worries about her unborn child, but she has no way to pay for prenatal checkups. And Dorothy knows she needs daily nursing assistance – she just doesn’t know how she will pay for it. As they struggle to meet their needs, these three individuals and others like them should ask themselves, “What is Medicaid.” They may be surprised to learn how Medicaid benefits can help.
What Is Medicaid: The Simple Answer
It’s a program funded by the federal government but managed by individual state agencies. Medicaid provides health care coverage for low-income children, pregnant women, people with disabilities, and older adults.
As of May 2018, 67.2 million people are enrolled in Medicaid.
What Is Medicaid: It Can Get Complicated
Benefits are available throughout the United States. Basic requirements that must be met are complicated enough, but each state is allowed to customize certain rules and regulations. If you or a loved one is interested in Medicaid benefits, make sure you check the agency in your home state. For example, Virginia residents should contact the Department of Medical Assistance Services.
All Medicaid applicants must meet certain general requirements:
- Residency: To receive Medicaid, an applicant must be a resident of Virginia, a U. S. citizen, a permanent U.S. resident, or a legal alien.
- Medical/Insurance Need: Recipients must prove they need health care or insurance assistance.
- Financial Need: An applicant’s income must be low or very low. Consult your state’s income limits, because these can vary.
Applicants must also be at least one of the following:
- A caretaker or relative caretaker of a dependent child under age 19,
- In foster care and under age 21,
- Disabled, or
- Age 65 years or older.
Income requirements are very specific and very mandatory. For example, the annual income for a family of two seeking Medicaid benefits is $16,146. In addition, Medicaid applicants undergo a thorough examination of their finances for a 60-month period prior to their application. Advance Medicaid planning is strongly encouraged for middle-age to older adults.
Medicaid Planning Can Help.
Navigating Medicaid guidelines can be frustrating. Let us help you.
Contact the attorneys at the Dillon Law Group, PLC to discuss Medicaid planning. We give our clients the personalized attention they deserve. Call us at 757-962-4796 to schedule an appointment or use our Contact Form to let us know you’re interested. We assist clients in Virginia Beach, Newport News, and surrounding areas.