Knowing Medicaid and Health Insurance


Knowing Medicaid and Health Insurance

September 24, 2015

The United States of America was captivated with “Obamacare,” requiring every American to own a health insuranceimages plan. But how can a family of 5 with very low income afford a descent health insurance? This primarily defines Medicaid.

What is Medicaid?

Medicaid is a national health insurance program, run by every state, for the benefit of American families and individuals with disabilities. Not everyone can be a Medicaid holder.

Who is entitled to be a Medicaid holder?

Medicaid is entitled for Americans who can’t afford any regular health insurance. American government has its dimensions for underprivileged citizens. The chart below is what they call the “Federal Poverty Level” or the “FPL.” The chart shows a portion of what percentage a family belongs according to the number of members and their yearly income.

Only families with 133% and below are adequate to be enrolled in Medicaid. You go above this percentage, and you’re not qualified for this program, but you can always avail an affordable health insurance for your family. Children with ages 19 and above isn’t covered in the Medicaid program.

For instance, Jackson family has yearly earnings of $37,120. They have 3 children studying in local grade school. According to the FPL, they are 133% and they are eligible in enrolling to Medicaid.  The Brown family has the same number of family members, but the head of the family earns $55,820 yearly. This family belongs to 200% in the FPL, so they’re not eligible for Medicaid but they can find an affordable health insurance that suits family’s medical needs and your insurance budget.

Once enrolled in Medicaid, you don’t need to get a regular health insurance plan. If you want to compare, you should know the benefits that this program has to offer.

What are the benefits Medicaid could offer?

  • Inpatient and Outpatient Hospital Services
  • EPSDT: Early and Periodic Screening, Diagnostic and Treatment Services
  • Maternal Services: Prenatal care, delivery and postpartum care, treatment from complications, childbirth classes, family planning
  • Rural health clinic and certified health center services
  • Laboratory and X-ray services
  • Physician and Pediatrics Services

If you want additional benefits, you can get Optional Benefits to suit your family’s needs.

American law does its best to assure that no American should be left medically uninsured.  By Medicaid, no poor people shall be excused from this.

I admire Obama’s ways on giving big opportunities to less fortunate people. What is clear here is that we shouldn’t sacrifice our health just because we can’t afford to have one. Medicaid is one of those ways in which we cannot use poverty as a reason to discard health insurance.