Getting older can be expensive. Aging can bring new health problems, and many retired people live on limited incomes, unable to afford the services they require.
If this is your situation, Medicaid can help you receive the health care you need.
Who qualifies for Medicaid?
The purpose of Medicaid is to provide health care coverage to individuals with limited income or resources. Under federal law, every state must offer Medicaid to certain groups, including but not limited to:
- Low-income families
- People who receive SSI
- Medically needy children
- Medically needy aged, blind or disabled adults
Eligibility depends on your income or resources.
What if I make too much money but still need help?
If your income exceeds the Medicaid limit, you may still be eligible for assistance if you have high medical bills. In New York, the Medicaid Excess Income program is available to people who are under 21, 65 or older, blind, disabled or parents of children under 21.
Under this program, you can spend your excess income toward your medical expenses and then receive Medicaid assistance with the remaining bills, similar to paying an insurance deductible.
Does Medicaid cover everything?
Medicaid covers a wide range of health care, including checkups, immunizations and prescription drugs. It also covers many of the resources older people often need, such as nursing home care, home health services and mobility aids like wheelchairs.
Growing older should not mean a decrease in your quality of life. If you qualify, Medicaid can help you stay healthy for many years to come.