Many people these days cannot afford to pay cash for medical care. They try to look for the cheapest hospitals but in the end spend a lot. If you are part of this category of people you should not worry.
Medicaid is a government health program that helps people with limited income to get access to medical care. The difference between Medicaid and Medicare is that Medicaid covers a whole family as long as they meet the qualification. Medicare covers persons over the age of 65.
Many people do not apply for Medicaid because they do not know whether they qualify or not. Therefore they miss on many benefits that could help them in as they live in this tough economy. Medicare helps 60% of residents in nursing homes and also 40% of childbirths. During childbirth, Medicare ensures you will get attended to by nurses with the right equipment, including the best pediatric stethoscope.
Applying for Medicaid involves a lot of paper work like going through federal websites to get information, paper work and sometimes a lawyer is needed. There are organizations that usually offer assistance with this process and can be located online. I have explained below the requirements you need to meet in order to qualify for Medicaid. This will be a give you an idea of what you will be asked for.
- Before applying make sure all your family members are United States citizens. Most states require this, because there are many immigrants living in the United States. Unfortunately if one member is not a citizen you will not qualify for Medicaid.
- Children who are under the age of 18 or 20 years old are qualified for Medicaid. The ages differ depending on the state where you are living, therefore you can call and inquire. Ladies who are pregnant or a man with a family are also considered eligible.
- Sit down and calculate how much income you make every day, month and year. Some guidelines will be given to you that will be based on the 3 categories. If you are many in a house you are expected to be earning more.
After meeting all these qualifications, you can now go ahead and apply. To apply you will have to call the Local State Department of Social Services in your area. They are the ones responsible for giving food stamps and financial assistance. They will provide you with an application form which you will fill up while at the office.
Remember to carry your birth certificate, your drivers’ license, social security card, your proof of address and any other insurance you may have. To be eligible they will check your income, therefore be ready to answer questions on this. If you would like to apply from home, assistance is also available. Filling up the form should not complicated but if you need help there are personnel there willing to assist you in any way.
For pregnant women I suggest you visit your doctor and get a letter that will prove that you are expecting a child. This also applies if you would like to get help with paying for posture aids such as Smart Back Brace. This is needed so your application form can be processed in a timely manner. Medicaid is the answer to all your medical financial needs.