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About Medicaid Health Insurance
Medicaid is a health insurance program for individuals with low income. It was created as a joint federal state program to provide medical assistance to aged, disabled, or blind individuals (or to needy, dependent children) who could not otherwise afford the necessary medical care.
Each state administers its own Medicaid programs based on federal guidelines and regulations. Within these guidelines, each state: determines its own eligibility requirements, sets the duration, amount, and types of services, chooses the rate of reimbursement for services, and manages its own program.
Approximately 39 million people receive Medicaid benefits. To qualify for Medicaid, you must meet two basic eligibility requirements:
-Be classified needy because of disability, elderly, or blindness
-Be financially needy; your income/assets must be within a limit set by your state in which you live.
To apply for Medicaid, visit your state welfare office, public health department or social service agency. Medicaid pays for a number of medical costs, including hospital bills, physician services, home health care, and long-term nursing home care. States may elect to provide other services for which federal matching funds are available. Some of the frequently covered optional services are clinic services, medical transportation, services for the mentally retarded in intermediate care facilities, prescribed drugs, optometrist services and eyeglasses, occupational therapy, prosthetic devices, and speech therapy. It varies from state to state, so check with your local authorities.
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