Medicaid for Disabled
Medicaid is one of the most popular public health insurance programs operated by the US federal government in conjunction with numerous states. Medicaid covers tens of millions of Americans, especially those with disabilities. Every member state within this program is responsible to provide the relevant assistance to policy-holders, as per federal regulations. The total cost of this public health insurance program is borne jointly by the federal and state governments.
Disability Medicaid offers health insurance coverage to persons with disabilities. People who suffer from medical or physical disabilities are eligible to receive extra medical services, which are not covered under any other Medicaid program. This insurance cover is aimed at people with disabilities of all ages.
According to Medicaid, disability is defined as the “inability to do any substantial gainful activity”. This may include a medically recognized physical or mental impairment, which:
- Can result in fatality
- Has continued or is expected to continue for 12 months or over
Disability Medicaid Coverage
Disability Medicaid provides the same health care benefits as provided under other Medicaid programs. This health insurance policy also covers dental services for adult policyholders. In addition, this insurance program may also offer coverage for several other services which are not covered under other Medicaid programs, such as incontinence supplies.
Eligibility Criteria for Disability Medicaid
As with any other insurance program, there are several strict criteria ruling the eligibility of applicants for the benefits provided by Disability Medicaid.
To be eligible for the Disability Medicaid program, the applicant should:
- Be a US citizen, or qualified resident alien (not when applying only for emergency services)
- Be a resident of the state
- Meet resource and income limits prescribed under the law
Apart from these criteria, to meet the requirements of Disability Medicaid, you should be classified as being disabled as per the specific criteria. A Medical Review or Social Security officer can determine whether you fulfill the disability criteria required to get benefits under Disability Medicaid.
If, at the time of applying you are not classified as disabled, then you need to follow these steps:
- Contact the Department of Workforce Services and speak with an eligibility worker regarding the type of Disability Medicaid you wish to apply for. You can also fill out the application form online, or print a paper application to fax or mail to the Workforce Services.
- Collect the medical information about your disability. You may also need to fill and complete several other forms which will be provided by your medical care provider.
- Collect details about your income and assets. Workforce Services often request applicants to send in several documents to verify their eligibility.
In addition, the Medical Review Officer may ask you to undergo a medical examination by a certified doctor. In such a case, the state government will bear the cost of said medical examination.
Once you are classified as being disabled (as per eligibility criteria) and are considered to be eligible for Disability Medicaid then you may also be asked to request income benefits from the Social Security department too.
Adult Expansion Medicaid – Alternate Medicaid for Disabled
Adult Expansion Medicaid offers insurance cover to adults who are not disabled, or pregnant or currently caring for minor children. This program is available to all between the ages of 19 to 64 years old. These individuals need to prove that their income does not exceed 100% of the federal poverty level. In addition, you must also meet the general eligibility criteria for Medicaid to receive benefits under this insurance plan.
There are numerous medical services that are covered under Adult Expansion Medicaid, excluding dental care services for adults. Services covered under this insurance program may differ slightly from state to state. Apart from this, the Adult Expansion Medicaid program is not provided to individuals who are considered eligible for benefits under conventional Medicaid.
If you qualify for Adult Expansion Medicaid, then you are eligible for healthcare services, such as:
- In-patient hospital care
- Physician visits
- Specialist care
- Out-patient services (therapy, labs, etc.)
- Substance abuse and mental health disorders
- Ambulance services and emergency room services
- Non-emergency transportation
Adult Expansion Medicaid is considered ideal for those who are in the process of applying for Disability Medicaid and do not have Medicaid cover and are awaiting a decision about their disability.
To get additional information, we advise you to contact your local Workforce Services to know specific eligibility criteria and benefits under this insurance program.
Disability Medicaid has helped millions of Americans overcome their disabilities and live a comfortable, healthy life. If you think you are eligible for this insurance program, feel free to contact your nearest Workforce Services or Social Security officer now.