Medical emergencies can happen all of a sudden. What does one do if they have an emergency and they have to go to the hospital? What should they do if they do not have health insurance? Hospitals are obliged to treat people in cases of emergency, but who will pay for them after? There is an available option that they can do and that is applying for emergency Medicaid coverage, and if they qualify Medicaid will pay for the charges incurred during the emergency.
Emergency Medicaid coverage is a special government sponsored function of the Medicaid health program. It is administered by states and provides assistance for treatment of individuals who encounter an emergency medical situation. This covers critical situations that can acutely weaken a person. These critical conditions are when the individual exhibits severe symptoms that could harmfully affect health or life, and permanently damage the body, organs and cause severe disability and even death. Examples of these are serious injuries like internal organ damage or head injuries brought about by a vehicular accident, and when a woman who doesn’t know she is pregnant suddenly goes into labor.
Not all people can be eligible for emergency Medicaid coverage, and that this is not a kind of health insurance. Emergency Medicaid also is not dependent on citizenship or legal immigration standing. There are other criteria that must be passed in order to qualify for emergency Medicaid.
For pregnant women who do not have health insurance, they may be given emergency Medicaid coverage for labor and delivery charges. Prenatal care is not regarded as a critical case except if there was a problem during pregnancy that could put the mother or the unborn child at risk.
Heart disease, asthma and other serious chronic conditions will not make an individual eligible for emergency Medicaid coverage. They will only be considered if the situation is very severe.
An individual must pass financial limits and requirements that are needed to qualify for Medicaid. These requirements change by state so these must be looked at very carefully. Financial need is not the sole requirement but there are other rules that each state imposes.
When primarily applying for emergency Medicaid coverage, a person can fill out an application and then submit it through mail. They may also apply in person through the help of a doctor’s clinic or through hospital social workers, and mental health care providers. Other options are through their respective state’s Medicaid services website or through a phone call. Application options and procedures can also differ in every state.
Sometimes, interviews are conducted when the applications are received, while others are scheduled. There will be numerous personal questions which include current employment status, family status, financial assets and why they are applying for emergency Medicaid. During the interview, individuals are reminded to bring necessary documents for proof of identity, financial documents, civil status, medical records and dependents if they have any.
Getting emergency Medicaid coverage should only be done as a final option since it is not a sure way to pay for hospital and medical costs. For people who have difficulties with their medical expenses or have no health insurance, it is advised that they consult with their local state social service agency before any emergency happens.