It’s no secret that the cost of medical care has surged over time. Just 50 years ago, the average annual cost of care was about $350 per person. Today, it’s close to $15,000. Those expenses are already more than many people can manage, and they’re expected to rise even higher in the years to come. Medicaid was established back in 1965 with that in mind.
What Is Medicaid?
Medicaid is a government program that’s designed to cover the costs of medical care for those who qualify. It’s geared toward children, pregnant women, senior citizens, and people with disabilities. Some low-income adults are eligible for coverage as well. This program delivers funding from the federal government to each state so that state can offer medical coverage to residents who are eligible. It’s a free or low-cost program that generally covers the full range of medical needs. It can be used in tandem with other programs, such as Medicare.
Applying for Medicaid
Several factors go into determining a person’s eligibility for Medicaid. Those include income, disability, family size, and age. The application process can be complicated, and even a seemingly minor oversight can render a person ineligible. As such, if you’ve applied for Medicaid and been denied or you’re thinking of applying and want to make sure everything goes smoothly the first time around, the following details can help you succeed.
Gathering the Required Documents
One of the most important measures when applying for Medicaid is having the required documents on hand. You’ll need your social security number, photo ID, proof of residency, and proof of income. If you’re an immigrant, you’ll also need your immigration papers. You may need information and documents for other members of your household as well. Failing to have any of these documents could delay the approval process or interfere with your eligibility.
Deciding How to Apply
With the required documents on hand, you’ll need to decide how to apply. These days, many people choose to apply online. It can be easier and more convenient. You can also apply in person if you have a local Medicaid office or a health department that handles applications. Alternatively, you can reach out to a firm that specializes in helping people apply for Medicaid.
Filling Out the Application
From there, you’ll need to complete the application. This can be a long and tedious process. You’ll be required to answer a range of questions pertaining to your income, household, health conditions, and assets. You’ll also need to provide the necessary documentation to back up many of your answers.
Be sure to answer all questions as honestly and completely as possible and include the requested documents with your application when you submit it. Keep copies of everything you submit for your own records. Keep the date you submit your application in mind as well.
Following Up
After submitting your application, keeping track of its status is recommended. The approval or denial process usually takes about 45 days or so, but it can sometimes take longer. If you haven’t heard anything after 45 days from the date you applied, consider contacting the Medicaid agency to make sure your application was received and is being processed.
You may be contacted with follow-up questions or requests. Respond to those promptly to avoid delaying your approval process. If you’re denied, you can appeal, but there’s a statute of limitations on how long you can wait to do so.
Seeing You Smoothly Through the Medicaid Application Process
Filling out the Medicaid application can be a tricky process. Giving the wrong answer to a question, failing to provide the required documents, and other mistakes can hamper your eligibility. Seeking professional help with the process is advised. It’ll ensure the process goes smoothly and that you get the coverage you need to help with Medical expenses.
