Medicaid Eligibility – What Factors Go Into It

Medicaid is a health insurance plan funded by the state that helps people with low incomes to pay off much of their medical bills if they aren’t able to afford regular health care. This can be useful for those who do not have health insurance because they cannot afford it. There are some requirements for Medicaid eligibility. In some cases a person who meets Medicaid eligibility rules will have to pay for some of the costs of the medical services.

There are various different factors that go into determining one’s Medicaid eligibility. Age is one of them, as older persons are more likely to be eligible for Medicaid. Pregnant women, blind people or others with disabilities and those with low income levels are among those who are more likely to reach Medicaid eligibility. Rules for these factors will vary by state.

One of the requirements for Medicaid eligibility is that the person applying for it is either an American citizen or an immigrant who was lawfully admitted into the United States. This is also the case for dependents in the family, as it is generally used for those who live in nursing homes or live at home and are being cared for by a family member.

Depending on state the Medicaid eligibility laws will be different. There are income, dependent, available resources and other requirements that have to be met for Medicaid eligibility. People who are over sixty-five or are blind meet Medicaid eligibility in most states. Those who are disabled for Social Security disability are also eligible.

Families with single parents and children under twenty-one who have low incomes or not enough health benefits are also eligible. Medicaid eligibility is also guaranteed for those who are on public assistance.

Single and married people may also meet Medicaid eligibility depending on temporary disabilities, limited incomes or any special circumstances as determined by the state’s Medicaid board.

Medicaid coverage is also available to those who need drug treatment or have been victimized by abuse. Medicaid eligibility will last during the treatment process and in many cases after the process is finished.

The income that the person receives will factor in greatly towards Medicaid eligibility. The size of the family and household income are major factors for Medicaid eligibility. Qualifying income includes earned wages, interest from savings, Social Security or veterans’ payments, pensions, child support payments and incomes from other people in the household. Food stamps, foster care payments, public assistance and Social Security benefits are not included.

The last part of Medicaid eligibility is to provide proof of all of the resources that the person has. Resource limits may be found, and when there are limits the person will be eligible for services. Resources include savings and checking accounts, certificates, stocks and certain types of trust funds, life insurance plans and properties that the person owns. Federal grants for students and one vehicle in each home do not count.

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