How to Get Medicaid for Disabled Individuals

Medicaid for Disabled

Medicaid is a public health insurance program operated jointly by state and federal governments.

Medicaid covers tens of millions of Americans, especially those with disabilities.

Every member state within this program is responsible for providing the relevant assistance to policyholders, per federal regulations.

The cost of Medicaid is shared between the federal government and the states, not borne entirely by them.

Disability Medicaid

Disability Medicaid offers health insurance coverage to persons with disabilities.

People with disabilities may be eligible for Medicaid, which can cover a wide range of medical services, some of which are also covered under other Medicaid programs.

This insurance coverage is aimed at people of all ages with disabilities.

According to Medicaid, disability is 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 health care benefits that may vary from other Medicaid programs depending on the state and specific needs of the disabled individual. This health insurance policy also covers dental services for adult policyholders.

In addition, this insurance program may also offer coverage for several other services not covered under other Medicaid programs, such as incontinence supplies.

Eligibility Criteria for Disability Medicaid

As with any other insurance program, several strict criteria are 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 disabled 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 Workforce Services.
Collect medical information about your disability. Your medical care provider will provide several other forms, which you may also need to complete.
Collect details about your income and assets. Workforce Services often requests applicants to send 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 disabled (as per eligibility criteria) and are considered eligible for Disability Medicaid, you may also be asked to request income benefits from the Social Security department.

Adult Expansion Medicaid – Alternate Medicaid for Disabled

Adult Expansion Medicaid offers insurance coverage to adults who are not disabled, pregnant, or caring for minor children.

This program is available to individuals between the ages of 19 and 64 who meet specific income and other eligibility criteria. Eligibility for Adult Expansion Medicaid varies by state, and in many cases, individuals may qualify with incomes up to 138% of the federal poverty level under the ACA expansion guidelines.

In addition, you must also meet the general eligibility criteria for Medicaid to receive benefits under this insurance plan.

Numerous medical services 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.

Adult Expansion Medicaid is for individuals who do not qualify for conventional Medicaid based on other criteria such as age, disability, or parental status but who meet the income requirements.

If you qualify for Adult Expansion Medicaid, then you are eligible for healthcare services, such as:

In-patient hospital care
Physician visits
Specialist care
Pharmacy
Out-patient services (therapy, labs, etc.)
Substance abuse and mental health disorders
Ambulance services and emergency room services
Non-emergency transportation

Adult Expansion Medicaid provides coverage for low-income adults under 65; those applying for Disability Medicaid may not necessarily be covered under Adult Expansion Medicaid but might be eligible based on income criteria.

To get additional information, we advise you to contact your local Workforce Services to learn the specific eligibility criteria and benefits under this insurance program.

Conclusion

Disability Medicaid has helped millions of Americans overcome their disabilities and live a comfortable, healthy life.

If you are eligible for this insurance program, contact your nearest Workforce Services or Social Security officer now.

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