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Medicaid Eligibility for Seniors

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Medicaid Eligibility for Seniors

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Medicaid eligibility for seniors

Medicaid as a state assistance program has touched innumerable lives over the years. Apart from benefiting children and adults, the program has solved health insurance issues for millions of elderly people as well. Almost the entire population of seniors in America are touched some way or the other by Medicaid assistance. It cannot be said that the elderly are unable to survive without help from Medicaid but what can be stated surely is the fact that a certain percentage of seniors in the American population are so impoverished that they cannot possibly do without Medicaid coverage. Poor Medicaid beneficiaries amongst the elderly have access to two kinds of assistance- 1) That which lets them have access to long term care benefits and 2) That which comes to their aid as far as Medicare premium payments are concerned. To have access to both advantages, you must be well acquainted with these Medicaid senior eligibility basics.

First things first. Becoming eligible for Medicaid can be quite a difficult task and that applies to most elderly people irrespective of their social or economic status. And that is primarily because the Medicaid eligibility policy is one that envelopes innumerable intricacies. Medicaid uses various processes to determine a personís eligibility and suitability for the aid the program offers. Another difficulty with Medicaid eligibility is the fact that it is not uniform over all the states. Medicaid is essentially a state based program and this is what makes eligibility differ from state to state. Also, participation of states in the Medicaid program is anything but compulsory. Eligibility, in fact, is decided at the federal level where the Government makes funds available for certain categories and restricts funds for others. This means if the Government has allocated funds for long term care for a certain state, then the latter will be able to offer coverage in this area. If the Government hasnít allocated funds the state will in all probability not offer coverage in that category for it will then have to bear the entire cost alone.

Federal funding for Medicaid depends on five different factors- categorical, immigration status, residency, income and resources. The categorical aspect of eligibility says that Medicaid is available only for people in certain categories. Though the number of categories is nothing less than 25, it is narrowed down to about five that includes children, women in pregnancy, adults having to support dependant children within a family, persons with disabilities and seniors. Anyone of the age of 65 and above is considered as a Ďseniorí. Immigration status decides another eligibility aspect of Medicaid. If a person is a legal resident in the US, he or she gets to access Medicaid (provided other financial and non- financial criteria are satisfied). Legal residents can claim access to emergency care but may not be eligible for other benefits. In case a person is an illegal resident, he or she is not entitled to get basic benefits under Medicaid. Residency eligibility is met if and only if the person concerned is a resident of the state where he has applied for Medicaid. Income eligibility is concerned with all the benefits a person receives from different sources. Please note that Medicaid does not take all income into account. As for resources eligibility, a person has to be worth a certain resources level in order to qualify for Medicaid. Both financial and resources eligibility are decided using the standard way and the methodology process.


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