Medicaid is a joint federal and state program that, together with the Children’s Health Insurance Program (CHIP), provides health coverage to more than 72.5 million Americans, including children, pregnant women, parents, the elderly, and people with disabilities. This program has become one of the best sources of health coverage in the United States. Later we will explain how to apply for pregnancy medicaid.
The 2010 Affordable Care Act (PPACA) created an opportunity for states to expand Medicaid with the intention of covering nearly all low-income Americans under the age of 65. Eligibility for children has been extended to at least 133% of the Federal Poverty Level (FPL) in all states (most states cover children up to higher income levels). States were given the option to extend eligibility to adults with incomes at or below 133% FPL. Most states have chosen to expand coverage to adults, and those that have not yet done so can choose to do so at any time. If it is of your interest, you can find out in your state to find out if they have extended Medicaid coverage to low-income adults.
Keep reading: What does Medicaid cover?
What is pregnancy Medicaid?
Medicaid is a government-sponsored health insurance program for low-income families who have no or inadequate health insurance. Every state in the union offers Medicaid or a program similar to it for help pregnant women receive appropriate prenatal and postpartum care. Medicaid also offers health insurance to seniors, children, and people with disabilities.
What help is available through Medicaid?
Medicaid provides free or low-cost medical benefits that are eligible for:
- Low Income Adults
- pregnant women
- People who are 65 years of age or older
- People with disabilities
How to apply for pregnancy Medicaid Am I eligible?
General eligibility guidelines for Medicaid are set by the federal government. However, each state sets its own specific requirements for eligibility and these may differ from state to state.
All states are required to include certain individuals or groups of people in their Medicaid plan.
Check with your state Medicaid office to see if you or your family members are eligible for benefits. In general, it depends on at least one or a combination of them:
- Income level
- Number of people in your family
- If you are pregnant or have a disability
The state eligibility groups are:
- categorically needy
- medically needy
- special groups
The “categorically needy” group includes pregnant women whose income level is at or below 133% of the federal poverty level. (Check with your Medicaid office to find out what this number is for your state.)
Keep reading: Medicaid for Pregnant Women: Frequently Asked Questions
How to apply for pregnancy Medicaid
To find out what documentation you need to qualify for Medicaid you will have to contact your local office, but we anticipate that most of the offices of the different states request the following:
- Pregnancy test
- Document to prove citizenship, if you are a legal resident of the United States (and identification documentation such as a birth certificate or social security card)
- Proof of non-citizenship if you are not a US resident.
- proof of income
Pregnant women may qualify for care they received during their pregnancy before they applied for and received Medicaid. Some states call this “Presumptive Eligibility” and it was established so that all women start necessary prenatal care as early in the pregnancy as possible.
Check with your local office to find out if you qualify for presumptive eligibility.
Pregnant women are often given priority in determining Medicaid eligibility. Most offices try to qualify a pregnant woman in 2-4 weeks. If you need medical treatment before that time, talk to your local office about a temporary card.
Keep reading: Children’s Medicaid: What is CHIP and how does it work?
What benefits does Medicaid offer for pregnant women?
Like other medical assistance programs, Medicaid does not pay monetary benefits directly to covered participants. Certain health care providers and health care facilities contract with Medicaid to treat those covered by this insurance.
When you are authorized to receive Medicaid benefits, you should be given a list of medical providers that accept Medicaid or a website to search for a provider in your area. As long as you receive care from a Medicaid provider, your health care costs will be submitted through Medicaid and covered. (In accordance with certain Medicaid regulations and guidelines).
Pregnant women are covered for all care related to pregnancy, childbirth and any complications that may occur during pregnancy and up to 60 days after delivery.
now that you know how to apply for pregnancy medicaid, we recommend that you research the specific requirements of this program in your state so that you can submit your documentation as quickly as possible. Good luck!