Applying for Medicaid

In order to obtain Medicaid, residents must submit a completed application. However, to do this successfully applicants must be know about what information is essential to include.

While Medicaid applications vary by state, each requires prospective recipients to supply similar information. By gathering certain personal documents prior to beginning the application, residents can complete their paperwork quicker and more efficiently. Some states automatically enroll applicants to Medicaid when they apply for Social Security benefits. 

Completing a Medicaid application also involves obtaining one and knowing where and how to submit it. Depending on each state’s application procedures, residents may be able to apply and submit their applications online.

By reading the sections below, prospective recipients can discover the various methods of submission and how to find more information in their state.

In addition, interested residents can learn about how to check their application status after submission. However, it is important to keep in mind that applying for Medicaid does not guarantee assistance and that applicants should be prepared to submit certain documents for verification.

To enroll in Medicaid, applicants must be either U.S. citizens or lawful non-citizens. Non-citizens are required to submit paperwork verifying lawful presence in the United States. However, there are additional qualifications that applicants must satisfy.

Residents learn about these different factors as they progress through their applications forms. There is a different section for each eligibility component.

When residents apply for Medicaid, they should make sure that they meet the basic eligibility requirements. Many residents are able to obtain health care coverage from the Medicaid program. This includes those with low incomes, pregnant women, families with dependent children, disabled resident and seniors.

When applying, they must also ensure that they have documents to support their eligibility claims. Prepared applicants can usually create an online account with their state’s Medicaid agency’s website.  

After submitting the application and appropriate paperwork, residents can follow their Medicaid agency’s instructions on how to check their application status. This is usually accomplished by logging into an online Medicaid account.

On the other hand, some agencies may only allow applicants to check their status by calling. Applicants that receive Social Security benefits are also eligible to sign up for Medicaid separately.

Where to Enroll for Medicaid

There are several avenues through which Medicaid can be accessed. One online resource that residents can use to apply for Medicaid is the government healthcare marketplace website. Applicants can complete their paperwork through the online portal. Afterward, they will be contacted by their state Medicaid agency. The representative may ask follow-up questions and request supporting documents.

Before applying, residents can check their availability on the healthcare marketplace website. Applicants can also check the eligibility of the other members in their household. However, some states offer their own eligibility checking tools.

Thus, users might be redirected to their state’s Medicaid website. Moreover, residents can view the income limits of their state’s Medicaid program and find out how much coverage they may be able to obtain at their income level.

Medicaid applications can also be found and submitted through Medicaid offices directly. Contact details for each state’s agency can be found through the healthcare marketplace. Then, interested residents and call or visit their local office or apply through the state marketplace.

In addition, many Medicaid agencies accept paper applications. Residents can call their nearest agency and request a copy. Other agencies allow applicants to access an application online and print it out. For specific instructions, prospective beneficiaries should contact their Medicaid office.  

The Medicaid Application

To fully complete a Medicaid application, residents must supply many details. These details are important in determining applicant and household eligibility. The information below discusses the most common sections that are found in Medicaid applications. It is important for applicants to be aware of the information they are expected to provide so that they can gather it for reference and verification.

Income

Eligibility for Medicaid is primarily based on income. Qualified applicants earn below a certain income level. Although, this exact amount varies by state. Residents can estimate their Modified Adjusted Gross Income (MAGI) to determine if they qualify.

The MAGI can be found on several tax return forms. These include forms 1040, 1040 EZ and 1040 A. Applicants who do not have their tax return form can analyze their pay stubs instead. To obtain the most accurate estimate, residents must factor in the incomes of all other members in the household.

To calculate, prospective recipients must look at the line on their pay stub that indicates federal taxable wages or the gross income earned before taxes. Then, they must subtract all funds subtracted by the employer such as retirement savings.

The next step is to multiply the federal taxable wages or gross income by the number of expected paychecks in the year. In addition, it is necessary to factor in any expected income changes or variations, such as if the applicant starts receiving Social Security Benefits.

Changes can include expected raises or a new job. Changes in the number of hours worked or new sources of income also eligible. Moreover, the addition or subtraction of dependent family members can be considered an important financial change. Additionally, the following sources of income should be added to the MAGI calculation:

  • Foreign income that is tax exempt
  • Social Security benefits that are tax exempt
  • Earned interest that is tax exempt

Household

Residents filling out the Medicaid application for their whole family must be considered the primary tax filer for the household. This means that a spouse and tax dependents live with the applicant. Residents who want to get the most out of their Medicaid benefits should include every member who lives in the same household as part of the application.

Identification information must be supplied for each member. Thus, their birth dates, names, Social Security Number (SSN) must be provided. Documents may be required for verification. 

Disability

There is a section of the application that allows applicants to provide information about theirs or household member’s disability. Those who are blind or disabled will be required to submit medical documentation from a licensed physician. Disability is an important factor in determining eligibility. Applicants with disabilities may also qualify for Social Security disability benefits.

Family Status

Acceptance into the Medicaid program is also dependent on family status. This section asks if a household member is pregnant or a parent with a child or children younger than 19 years of age. Medicaid agencies often request birth certificates to verify the information in this section.  

Citizenship and State Residency

Applicants are usually required to submit proof of their residential address to verify that they are eligible for assistance in their state. Additionally, residents must provide proof of their citizenship or lawful presence. Verification can be submitted in the form of a driver’s license, U.S. Passport and birth certificate.