Today, due to a number of problems with our health care system, it can be very difficult for those who are in a lower income bracket to afford health care. One option for these individuals is Medicaid, which is a service offered by each State specifically for those with low incomes. However, for than 6 out of every 10 people in poverty does not qualify for Medicaid.
Medicaid, while run by each state, is in large part funded by the Federal Government. In return for meeting a number of federal regulations, the state can receive partial reimbursement for their Medicaid Program. On the federal sides if things, Medicaid is administered by the Center for Medicare and Medicaid Services, or CMS for short. On the state side, the name can vary state by state, however many use Medicaid.
One of the main consequences of each state administering their own Medicaid program is that this creates a number of subtle differences in coverage between states. Each state must cover the same things, but are given freedom to choose how to cover it. So, it is not possible to offer a definitive answer on how Medicaid works for a given state, without directly contacting the state or consulting their website.
In addition to each state having a slightly differing Medicaid Program, some choose to allow a private insurance company to handle the administration of the program. Often, a state will group a number of their social programs together, to make administration simpler. It is also not uncommon for the state to contract all of their medical programs to a private insurance company, as is the case of Vermont.
Medicaid is designed for those with low incomes, especially single mothers, and covers most things that traditional health insurance covers.
This includes doctors visits, in addition to hospital expenses. Medicaid also covers nursing home expenses, with this currently being the most rapidly growing expense related to Medicaid. Prescription medicines are also now covered by Medicaid, although this is actually a relatively new branch of Medicaid, so the kinks are still being worked out.
Medicaid also covers some less traditional costs of health care, specifically durable medical equipment. Durable medical equipment refers to many types of home medical equipment, including adjustable beds, eyeglasses, and oxygen supplies. Without some type of insurance, the cost of these kinds of medical devices can quickly add up, so this is an important service. However, due to the way each state handles the administration of their Medicaid program, the way these types of devices are covered varies by state. Most of the typical equipment, such as wheelchairs, is covered in a similar manner, but costs for less common types of medical equipment, such as Medicaid Lift Chairs, varies.
Even though Medicaid is far from perfect and in fact does not cover a number of poor Americans, it does provide an important service for millions of single parents and families with limited income. For many of these low income individuals, Medicaid provides an affordable way to stay healthy.
Samuel is a writer that deals with Medicare and Medicaid. Since each state handles their own Medicaid Program, it is necessary to visit their website directly to learn how their plan works. You can visit a Medicaid Website Directory to find their webpage and contact information. Often for some less common types of durable medical equipment, like Medicaid Lift Chairs, it may be necessary to speak directly with a representative.