I was chosen to write this post because I work for an attorney who specializes in social security disability insurance – that is we help disabled people file for a claim. We basically navigate the bureaucracy for the disabled in an effort to win them a monthly check. So our office is full of good guys doing good deeds for people in need. Applying for Medicaid is different but similar in that you’re dealing with the government bureaucracy in a similar way.
Applying for Medicaid is never as easy a process as one would wish. Complicating the situation is that each individual state has its own application process, each with its own websites, and you may find that trying to apply for Medicaid online can be a confusing and frustrating experience.However, there is still quite a bit that you can do online to apply for Medicaid. If you are lucky enough to live in one of the states with a fully-integrated website, you may be able to complete your application right from your own home.
I would like to make an aside here regarding medicaid and applying for payday advance loans, since we are asked this question all the time. Medicaid provides free or low-cost health coverage to children, families, pregnant women, and people with disabilities. That’s great. Recently a friend, who is on medicaid asked whether he and his girlfriend should go to his doctor for STD testing? I told him that if he goes all results will have to be reported, but there was an alternative. He could buy (from std-test-kits.org) the best home test kit for std and get results in 15 minutes. Of course there were at home test kits for only the most common STDs, I said. The percentage of accuracy was between 95%-98%. NOt bad. However, if there were symptoms and they persisted even after getting a negative result, they should visit a doctor. And likewise if the results were positive they should go to a doctor. STD’s can cause all sorts of complications if left untreated. I’m glad he had medicaid. Better than no insurance at all.
To apply for medicaid, you will need to know your income (personal and total for the household) and proof of any accounts, assets, and/or expenses. Social Security cards (or just numbers) will be another commonly-requested detail. Proof of age and citizenship are required, and proof of residence is usually handy. In case you do have any other form of health insurance, you’ll want those documents as well.
- Medicaid eligibility and Supplemental Security Income eligibility is the same in thirty-two states and the District of Columbia. The SSI application is also the Medicaid application. You may need to submit the completed application in person, along with any requested documents, but at the very least you will know what will be asked of you.
Either head to your state’s Medicaid site (see our Medicaid by State page for links) or visit the Social Security website for their online application at SSI Online: www.ssa.gov/onlineservices/
- If you live in Alaska, Idaho, Kansas, Nebraska, Nevada, Oregon, Utah, or the Northern Mariana Islands, you’ll need to file a separate application for SSI and Medicaid — but the good news is that the same eligibility rules apply to both. The SSI link above may be helpful in determining eligibility, though you’ll still want to visit your state’s website to see if you can apply online.
- If you live in Connecticut, Hawaii, Illinois, Indiana, Minnesota, Missouri, New Hampshire, North Dakota, Ohio, Oklahoma, or Virginia, the same rules DO NOT apply, and you will need to file a separate application for Medicaid and for SSI. However, that does not mean that you cannot apply online! Please see our Links by State page for your location.
Additional options may be available for those who can afford to cover some costs. For example, there are new medical tourism options, where travel overseas gives you access to significantly lower medical treatment costs.