Medicaid Insurance

Medicaid insurance is a government program that aims to give health coverage and benefits to specific groups of people in the United States. Individuals who either have no health insurance or cannot afford to buy private health care or get insurance given to them by their employers are frequently the ones awarded Medicaid insurance benefits.

Medicaid is administered by the state and is funded by the federal government. Each state has its own way of running the Medicaid insurance program and most of them have been operating their own Medicaid insurance system for more than twenty years.

Medicaid insurance was introduced with the Social Security Act of 1965 as part of Title XIX together with Medicare and was planned as a program to give a hand to people with low-income in getting health insurance for their family and themselves. Medicaid insurance can also help specific individuals who find themselves lower than poverty level set by the federal government.  Although eligibility can vary in every state, majority take into consideration income levels. Other criteria for Medicaid insurance qualification are total assets of an individual, age, pregnancy in women, children, disabilities and citizenship of the applicant. People with HIV or aids are sometimes considered for Medicaid insurance coverage. If a person also is a recipient of assistance or benefits from other state or federal health programs, they may be considered ineligible for Medicaid insurance.

Medicaid insurance is called by many names in every state, where state governments have coined their own names for their Medicaid programs. In California, they call it the Medi-Cal, MassHealth is what Massachusetts labeled its Medicaid insurance, and in Oregon it is known as the Oregon Health Plan. Insurance programs for those aged below 19 and indigents like the State Children’s Health Insurance Program (SCHIP) is often packaged with Medicaid. Even though it is not obligatory, many states participate willingly in providing Medicaid insurance programs. Some delegate Medicaid operations to private health insurance companies while other states pay doctors, clinics and other health institutions by themselves.

One issue of some people have against Medicaid insurance is that they usually have to go to doctors or hospitals that are covered or accredited with the Medicaid program. Some people find it difficult to find doctors or specialists in their local area. There are other people who have reported concerns with appointment and consultation setting with health care professionals. Some even claim of being discriminated and not being treated fairly, which is punishable under federal law.

Medicaid insurance can definitely help people who cannot afford health care or private insurance. Medicaid can provide assistance to individuals who have tried to search for resolution to their health care problems.

If one plans on applying for Medicaid insurance, they can start by visiting their local Medicaid office. If they are unsure where the Medicaid office is, they can ask for help from social workers or from doctors and hospitals on where to get Medicaid insurance. Staying healthy is the responsibility of every person and getting adequate health care is the right of every individual.