Medicaid in the United States is a social healthcare program for families and individuals with low income and resources. As of 2013, Medicaid is a program intended for those with low income, but a low income is not the only requirement to enroll in the program. The detail of how each category is defined varies from state to state.
In all states, Medicaid provides health coverage for some low-income people, families and children, pregnant women, the elderly, and people with disabilities. In some states, the program covers all low-income adults below a certain income level. Medicaid programs must follow federal guidelines, but they vary somewhat from state to state. Coverage and costs to you may be different from state to state. Some Medicaid programs pay for the care directly. Others use private insurance companies to provide Medicaid coverage. Some state Medicaid programs have names that don’t say “Medicaid.”
About the eligibility for the coverage, eligibility is been categorized under some categories, and to enroll you must be a member of a category defined by statute; some of these categories include low-income children below 19 years old, pregnant women, parents of Medicaid-eligible children who meet certain income requirements, and low-income seniors. Mostly, our community is benefitted with the coverage of Medicaid under “Refugees and Immigrants” which covers until 8 months being in the United States.
After you are eligible for health coverage under Medicaid, it’s required to choose a managed Care Plan (MCP) available in your region. Some MCPs in our region are – CARESOURCE, UNITED HEALTHCARE COMMUNITY PLAN OF OHIO INC, MOLINA HEALTHCARE OF OHIO INC, BUCKEYE COMMUNITY HEALTH PLAN, and PARAMOUNT ADVANTAGE. You need to choose an MCP which best fits your healthcare needs and has most of the doctors and hospitals you want to use. After you chose and apply for the MCP, they will send their member identification card and member handbook. Later on, if you decide to change MCPs, you can do so ; during the first 3 months you are enrolled in your MCP; in this region, the open enrollment month is November.
#Compiled by Bhupati Pradhan, Published in Issue#2, February 2014, Page#4