Thanks to the Affordable Care Act, tens of millions of financially burdened Americans are now able to purchase comprehensive insurance with the aid of government subsidies. However, depending on your financial situation, you may not qualify for a subsidized plan. For people who make too little to qualify, Medicaid is generally the best option. This program provides millions of lower income individuals with free coverage, enabling them to seek out healthcare without fearing financial ruin. If you or a loved one will soon be applying for Medicaid, it’s important to understand the following facts.
1. It’s Not Universally Accepted
Although Medicaid is accepted at many hospitals and privately-owned healthcare facilities, it is by no means universal. For example, a fair number of dental practices and optometry centers don’t accept Medicaid. This means you’ll need to confirm that your Medicaid coverage is accepted before seeking treatment at a new facility. Medicaid recipients on the hunt for medical imaging in nj will be pleased to learn that Middletown Imaging is Medicaid-compliant.
2. You May Need to Select an HMO
Many states require Medicaid recipients to choose an HMO. Often, if one is not chosen within 30 days of approval, the state will simply select one for you. When perusing your options, it pays to do your homework. For best results, select an HMO that is accepted by the facilities at which you regularly seek treatment. Fortunately, many states make it easy to change HMOs, so if you’re not satisfied with your choice, you may not be stuck with it.
3. You May Need to Meet Minimum Work Requirements
Some states require Medicaid recipients to meet minimum work requirements. The exact details vary from state to state, but Medicaid recipients in certain age brackets are often required to work about 80 hours per month in order to keep their coverage. It’s worth noting, however, that this generally doesn’t apply to people suffering from physician and/or psychological handicaps that prevent them from working. Additionally, some states don’t have any work requirements for individuals who receive Medicaid.
There’s no denying that a profit-driven healthcare system puts lower income individuals at a distinct disadvantage. Fortunately, many financially burdened Americans have more options than they may realize. People who are too poor to qualify for subsidies under the Affordable Care Act can often find the coverage they need under Medicaid. When applying for Medicaid, people should understand that the program isn’t accepted at all medical facilities, take their time in choosing an HMO and learn about their state’s minimum work requirements.