Helping Families Get the Financial Support They Need Through Medicaid
- Author: Sadie Krajcik
- Posted: 2024-10-09
Medicaid provides vital health coverage for millions of Americans, including low-income adults, children, pregnant women, elderly adults and people with disabilities.
For families struggling to get by, Medicaid can provide a crucial lifeline by covering doctor visits, hospital stays, long-term care, prescription drugs and more. But navigating the Medicaid system can be confusing, as eligibility and benefits often vary between states.
Fortunately, recent policy changes are making it easier for families to access this financial assistance.
Understanding Medicaid Eligibility and Coverage
Medicaid eligibility is largely based on income. The Affordable Care Act expanded Medicaid in many states to cover adults with incomes up to 138% of the federal poverty level. Children are eligible at higher income levels.
Pregnant women and people with disabilities can also qualify for Medicaid at varying income levels depending on the state.
Medicaid benefits are extensive. At a minimum, Medicaid covers a comprehensive set of services including hospitalizations, doctor visits, prescription drugs and emergency care.
Many states also offer additional benefits such as dental, vision and mental health services. Medicaid programs increasingly aim to coordinate care and connect people to community resources to address social factors impacting health.
New Options to Expand Medicaid Access
In recent years, states have gained more flexibility to shape their Medicaid programs through Section 1115 waivers. These waivers allow states to test out new approaches to promoting health and independence.
For example, some states now use Medicaid waivers to provide home and community-based services, address social determinants of health, and implement work requirements for certain adults.
The Biden administration has also pushed policies to make Medicaid enrollment easier during and after the COVID-19 pandemic. Provisions allow states to extend postpartum coverage and provide 12 months of continuous eligibility for children. These changes aim to promote continuity of coverage and care.
Finding Medicaid Support for Your Family
For families looking to access Medicaid, the best place to start is Healthcare.gov to check eligibility and apply online. Medicaid programs are run by each state, so benefits and processes vary.
Most states have dedicated offices and hotlines to help residents understand options and navigate enrollment. Connecting with community health centers, children’s hospitals and disability organizations can provide personalized guidance.
Medicaid provides invaluable health and financial security for families facing medical needs and challenging circumstances. Recent innovations create more opportunities to access this vital public program. With an understanding of eligibility rules and application help, Medicaid can make a real difference for your family’s health and wellbeing.
