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Three Questions to Ask When Applying for Medicaid

Three Questions to Ask When Applying for Medicaid

Filling out your Medicaid application does not have to be stressful or frustrating. Knowing the requirements, what documents you need and what resources are available all are things that an experienced attorney can “guide you through the application process.

  1. What is Medicaid?

Before you start the Medicaid application process, it is important to know what Medicaid is. According to NC Department of Health and Human Services, “Medicaid is a health insurance program for low-income individuals and families who cannot afford health care costs.”  Medicaid programs serve millions of Americans, including low-income adults, children, pregnant women, elderly adults and people with disabilities.

Although Medicaid is a federal program, each state has its specific set of rules and regulations that must be followed. Make sure you stay in contact with your State Medicaid Agency for up-to-date information on new and existing laws, and policy changes.

  • Do I Qualify for Medicaid?

One of the first questions you ask your attorney is, Do I qualify for Medicaid? Depending on which state you live in, your attorney will help in determining if you qualify for Medicaid. 

North Carolina has general requirements for all applicants that include but are not limited to:

  • Age 65 or older
  • Blind or disabled
  • Infants and children under the age of 21
  • Low-income individuals with families
  • In need of facility-based long-term care services
  • Receiving Medicare
  • Meet certain financial need-based requirements (countable assets under $2,000) depending on the type of services sought after
  •  What Services Does Medicaid Cover?

Medicaid assists pregnant women, children, the elderly, low income, and disabled individuals. For North Carolina residents who receive Medicaid, it covers mandatory benefits in addition to state services. Please note that healthcare needs, income, and age can affect what services you may receive.

Some of the common Medicaid benefits that may be covered in North Carolina depending on a person’s individual circumstances are:

  • Nursing home care
  • In home care services
  • Medical equipment, such as wheelchairs
  • Prescriptions (except prescriptions for Medicare beneficiaries)
  • Most medically necessary services for children under the age of 21
  • Doctors, OB/GYNs, health departments and rural health clinics

It is never too early to start planning for your future or your family’s future if you are concerned about the ability to afford likely medical services, no matter what age you are.

If you would like to schedule an appointment with an attorney to discuss Medicaid Planning, please call us at (336) 249-2101 or contact us online.

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