Ways & How

how to apply for Medicaid insurance

how to apply for Medicaid insurance

Medicaid is one of the state-funded health programs in the U.S. This health insurance program mainly serves both U.S. citizens and permanent residents who are low-earning individuals. Take note that mere poverty is not the sole basis for anyone to qualify for Medicaid. Read on to learn the general rules on how to apply for Medicaid insurance. Of course, there are other things you need to know first before you can apply, like whether or not you qualify.

  1. Medicaid Vs Medicare. U.S. Don’t allow the terms Medicaid and Medicare to confuse you. Although both refer to health insurance, technically they are not the same. On one hand, Medicaid is a form of health assistance intended to aid those who are not financially capable of paying their health insurance premium or co-payment requirement. For example, if your family income is within or below the poverty level set by the federal government, you can likely qualify as beneficiary of the program, and Medicaid will shoulder your premium payment, deductible amount and co-insurance.



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    On the other hand, Medicare is another type of U.S. health insurance program U.S. intended to aid individuals who are already over 65 years old, including those with disabilities. In this program, you will still need to pay the corresponding premium for your benefits as well as the co-payments after receiving a particular medical treatment.

  2. Your citizenship is important. In many areas in the U.S., you have to establish your citizenship before applying for Medicaid assistance benefit. There are at least two general rules concerning legal immigrants in America. First, if you entered U.S. before 1996, on the assumption that you meet all other requirements, you can apply for Medicaid and Medicaid SCHIP (State Children's Health Insurance Program), except in Wyoming. If your entry took place anytime after 1996, there are few restrictions during the first five years before you can actually apply.

    Present your passport, immigration documents, green card, birth certificate or social security card. The more papers you can submit pertaining to your citizenship and identity, the better.

  3. Call or visit the local office of the Health and Human Resources, Social Services, or the Welfare Department in your area. Any of these offices can help you facilitate your application. Your area may be using another name for the office. To be sure, verify the office name from your county building. Remember, however, that the application method can vary between states. This means that while one state allows online application submissions, your state may not allow the same application procedure.

  4. Complete the Medicaid application form. When you visit or call any of the offices mentioned above, don’t forget to ask for the needed Medicaid application form. Proofread every entry that you write while filling up the form. Observe correct spelling.

  5. Prepare proofs for your income and assets. If you are receiving your Supplemental Security Income or SSI, your chances of qualifying for Medicaid are a little higher. Your present income level will greatly affect whether your application qualifies. If self-employed, submit your tax return paper covering the last year. If you are getting child support benefits, submit a copy of the award letter given by the government or issued by the person extending support. Make sure that the letter indicates how much money is being given every month.

    If employed, submit your monthly paycheck as proof that you are being paid weekly or bi-weekly. Also, secure a copy of your bank statement, list of vehicles and other properties you own, as well as the documents pertaining to your other income.

  6. Submit proof for your age. Other than your citizenship, you will need to establish your age to determine whether you qualify for Medicaid. Acceptable documents include birth certificate, baptismal paper, driver’s license and passport paper.

  7. Submit proof of present address. As a rule, you should file your Medicaid application in the state where you reside. As proof of your residency, submit a copy of your recently issued driver’s license, utility bill indicating your address, or a letter issued by your landlord.

  8. Mail your application or submit it in-person. The choice depends on you whichever is most convenient. Should you choose to apply in-person, you can get a response concerning your application within six to seven weeks at most. Applying in-person is much faster than going through the mailing process.

Generally, the Medicaid program assists those families in the U.S. that have very limited income for as long as they can meet the requirements above. For more information on how to apply for Medicaid insurance, you can visit the office or navigate to the official website of the Centers for Medicare and Medicaid Services. 

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