Millions of low-income Americans receive healthcare coverage through the Medicaid program, which is overseen by the Department of Health and Human Services (HHS). In 2019, over 65 million Americans had access to affordable insurance directly due to this government assistance program. Additionally, eligible candidates can receive health care coverage from Medicare to supplement their Medicaid coverage.
Americans who apply for Medicaid are recommended to learn more about the benefits that are provide if they are approved for coverage. Certain coverage options have been established as mandatory by the federal government, while other optional services are offered depending on each state. Applicants who are interested in Medicaid insurance should learn more about the benefits of the government health insurance program.
In addition to learning about the Medicaid program may also be interested in a variety of other assistance programs, loans and grants in order to help them during a period of financial hardship.
Learn About Medicaid Insurance
Medicaid is a federally funded insurance program that covers most or all of the cost of a variety of different medical services such as doctor visits, hospital stays, laboratory testing services and more. Certain medical services are mandatory for states to include in their Medicaid program. Depending on the state, certain additional optional services may also be covered by Medicaid. Furthermore, the cost and charges associated with Medicaid may also vary between different states.
What is the difference between Medicare and Medicaid?
It is important to understand the difference between Medicare and Medicaid in order to understand how much coverage you can receive from these government health insurance programs. For one, Medicaid is a program that primarily covers eligible low-income Americans. On the other hand, Medicare provides comprehensive and affordable health care to eligible senior citizens and individuals with disabilities.
In some cases, individuals can enroll in both Medicaid and Medicare if they meet the eligibility requirements for both programs. This type of coverage is commonly referred to as dual enrollment and can help to reduce or even eliminate medical costs for those who qualify. In fact, approximately 7.2 million low-income senior citizens and individuals with disabilities are dually covered by both of these government healthcare programs.
Find Out About Medicaid Benefits
There are a number of different benefits offered through Medicaid coverage. These benefits are divided into two categories, mandatory and optional benefits. Some benefits and services that are mandatory to include in every state Medicaid program include:
- Physician services.
- Inpatient and outpatient hospital services.
- Laboratory testing services.
- X-ray services.
- Transportation to medical care facilities.
- Certified pediatric and family nurse practitioner services.
- Early and Periodic Screening, Diagnostic, and Treatment Services (EPSDT).
Individual state agencies have the choice to include optional benefits and services as a part of their Medicaid program. These optional services can include:
- Dental services.
- Optometry services.
- Respiratory care services.
- Prescription medications.
- Physical therapy.
- Occupational therapy.
- Speech, hearing and language disorder services.
About the Centers for Medicare and Medicaid Services (CMS)
The Centers for Medicare and Medicaid Services (CMS) federally manages essential government programs such as Medicaid, Medicare, the Children’s Health Insurance Program (CHIP). The CMS was established as a part of the U.S. Department of Health and Human Services in an effort to provide more Americans with access to affordable health care.
Since it was established, the Centers for Medicare and Medicaid Services has played a vital role in ensuring that the government health insurance programs are operating properly. The CMS also ensures that the federal and state health insurance marketplaces are appropriately implement federal laws regarding health care. Program participants can visit their local CMS agency for more information about these government programs.
Learn About Helpful Discounted Services
If you are looking for affordable health care options, you may also be looking for other potential savings for your household. For example, you may be interested in finding cheap cable TV for low income households for an affordable entertainment option. There are a variety of options for cheap cable and internet based on your income, location and personal preferences. Opting for these less expensive alternatives can be a good way to reduce monthly costs in most low-income households.
Another tip for reducing your cable and internet costs is to determine if you are paying for any channels or services that you are not utilizing. Nowadays, many people have opted to cut out their cable entirely and take advantage of different streaming services instead. With internet connection and a small monthly subscription fee, you will be able to stream from a vast library of TV shows and movies.
Find Out About Government Grants
Although government grants are used to provide aid to Americans, the money from these grants is used to fund a variety of different assistance programs and organizations. Instead of providing funds directly to individual Americans and low-income households, these grants are distributed to state and local departments and organizations that are responsible for different community projects.
For example, some local organizations may use their federal funding to provide a one-time financial assistance payout to eligible applicants. Other organizations are focused more on providing to the community by assisting with food, shelter, and household needs. There are several programs funded using federal grants that are designed to assist low-income households with their monthly expenses. Some popular government assistance programs include:
- The Supplemental Nutrition Assistance Program (SNAP).
- The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC).
- Low Income Home Energy Assistance Program (LIHEAP).
- The Housing Choice Voucher Program (also known as Section 8 housing).
Depending on your state, you may have other local and state assistance programs available. Local food banks work to provide free food to those in need, which can be a great help if you are struggling with your monthly food costs. While many of these organizations are not operated by government agencies, they do receive federal funding.
For a more comprehensive list of low-income assistance programs in your state, you can contact a number of different government agencies including the Department of Health and Human Services and your local Public Housing Agency (PHA).