In the complex and frequently changing landscape of health care in the United States, Medicaid stands out as a vital program. Since 1965, it has provided essential coverage to millions individuals and families. Alongside Medicare, Medicaid serves as a lifeline for those who may otherwise struggle to afford health care services.

Though Medicaid exists to help those who need it, navigating the specifics of who and what it covers can be daunting.

Basics of Medicaid Coverage

Medicaid offers health care coverage for a wide range of medical services. As Medicaid is a joint federal and state program, each state has the flexibility to administer the program differently within broad federal guidelines. Coverage for services varies from state to state.

Depending on the state, Medicaid may cover:

1. Doctor Visits and Preventive Care
2. Hospital Services
3. Transportation to Medical Care
4. Prescription Drugs
5. Laboratory and Diagnostic Services
6. Maternity and Newborn Care
7. Mental Health and Substance Abuse Services
8. Dental and Vision Care
9. Long-Term Care

Medicaid and Long-Term Care

In many states, Medicaid does not provide coverage for long-term care services, such as home care services or care in a nursing home. Medical insurance typically does not cover long-term services either, resulting in exorbitant out-of-pocket health care costs for individuals who are chronically ill or disabled.

Thankfully, New York Medicaid does provide coverage for long-term care services. Eligibility for coverage is based on income, assets, and an individual’s health condition or disability status.

Determining whether or not someone is eligible or can become eligible for Medicaid coverage of long-term care services can be daunting for a layperson who isn’t familiar with the Medicaid application process. Many people mistakenly believe that they do not and cannot qualify. In order to avoid making this costly mistake, an individual and their loved ones should consult with an experienced elder law attorney, who will be familiar with the application process.

An experienced elder law attorney can help the individual and their loved ones figure out if the individual is currently eligible or could become eligible for Medicaid coverage of long-term care services, as well as help such individual navigate the application process. An elder law attorney can also help the individual and their loved ones plan in advance for potential long-term care expenses; planning does not have to be undertaken only in a crisis situation.

Seek Expert Advice on Medicaid

Medicaid plays a crucial role in ensuring access to health care for millions of vulnerable individuals and families nationwide. By covering a wide range of medical services, Medicaid can help improve the health of eligible beneficiaries and alleviate financial burdens for people who may otherwise struggle to afford care.

If you would like to speak with an experienced elder law attorney regarding your situation or have questions about something you have read, please do not hesitate to contact our office at 1 (800) 680-1717. We look forward to the opportunity to work with you.