Florida Medicaid

About the Florida Medicaid Program

Florida Medicaid and Eligibility for Pregnant Women

As Medicaid was established to help low income families obtain health insurance coverage there are stipulations for people in certain situations.  One of those that is of interest to the government and society as a whole is pregnant women and how they are covered.  Here is a look at a program in Florida called SEPW (Simplified Eligibility for Pregnant Women). Continue reading

What is the Florida KidCare Medicaid System?

Medicaid is intended to help mostly the low income families who cannot otherwise get access to health insurance for a variety of reasons.  Many states have special guidelines for children and Medicaid as they intend to have as many kids covered in the system as possible.  There are four basic options for kids in Florida on the “KidCare” system for coverage under Medicaid. Continue reading

Florida Medicaid Offers Asset Preservation Program

Medicaid, like most federally funded programs, has a lot of programs to help you qualify for the coverage as long as you meet certain guidelines.  Once these guidelines have been met your coverage will kick in and you will be in good shape.  One such guideline is that your assets must drop to a certain limit before you can receive federal and state aid from Medicaid.

Florida Medicaid offers “asset preservation” courses and seminars to people who could qualify but don’t based on current requirements.  These courses will show the individual how to reorganize their assets in order to meet the pre-determined Medicaid requirement for personal assets.  If you believe that you or a loved one would qualify then you should seek out the service through Florida Medicaid.

One important thing to remember about your assets is the amount of gifts that you give in the period before applying for Medicaid.  Many elderly people give gifts to family to help pay for large purchases.  These can be detrimental to enrollment and should be discussed with a Medicaid expert before being completed.

Low Cost Health Policies In Florida Could Help Other States

Governor Charlie Christ, Florida’s Governor has been traveling throughout Florida from one end of the state to the other to sign a groundbreaking bill that will offer low-cost insurance to low income individuals and families throughout the state.  The policies will be stripped down, but will still cover the necessities. 

At this time 21% of Florida’s residents are uninsured, and the bill will help them immensely.  At this rate of uninsured residents, Florida is the fourth highest ranking uninsured state in the country.  The Governor is most excited about the new insurance bill because of what he feels is one of its best features: it will not cost taxpayers a cent.  To be able to provide insurance coverage for those in need and save the taxpayers money is a stunning feat.

Because budgets in most states throughout the country are strained, at best, the states are looking at Florida’s innovative ideas regarding insurance coverage for those who need it most.  States are looking to Florida to see how – and if – this can truly work, and whether the plans can work without creating any costs for taxpayers.

Some states are looking at lowering the cost of healthcare rather than covering the uninsured, which may be less expensive on one hand for the states considering this way of dealing with the issue, however, it could actually cost states more because most states have laws that state that hospitals must treat everyone, regardless of whether or not they have insurance coverage or the cash or credit to pay for treatment.  As a result, rather than states spending a smaller amount on outpatient services to keep people healthy, they are having to provide much more expensive hospital expenses when people’s conditions become acute and their only remedy is rushing to the emergency room.

Florida is trying to deal with the short term and the long term by covering people and making services available so that they are able to stay healthier and avoid catastrophic health issues, therefore saving the state, the taxpayers and the hospitals substantial amounts of money.

It will be interesting to see how Florida’s new system of covering low income uninsured individuals and families turn out.  If Florida is successful n this endeavor, and since it is the state with the fourth highest uninsured rate in the country, their success could lead the way to help people in need of insurance coverage in other states throughout the country.   

Florida Medicaid Eligibility: Who Qualifies for Medicaid in the State of Florida?

Medicaid is a federal program that is state regulated and administered to qualified individuals.  In the state of Florida, there are certain criteria one must meet before they are able to receive this coverage.  There is a program called the Institutional Care Program, or ICP, that handles people who require nursing home care.  Under the ICP, someone with Medicaid can receive help paying for their nursing home expenses.  This can be a lifesaver for those on a fixed income as nursing home care can be extremely expensive. 

Florida Medicaid eligibility is determined by one of two agencies: The Department of Children and Families or the Social Security Administration.  The Social Security Administration handles cases for individuals over the age of 65 and anyone requiring nursing home care as described above.  The Department of Children and Families handles eligibility for pregnant women, low income families who have children, disabled or elderly individuals who do not receive SSI benefits, and foreign visitors who require emergency medical services.

Medicaid will cover most inpatient and outpatient doctor and hospital visits, some types of medical equipment, certain diagnostic and preventative tests, prescription medications, and surgical procedures.  Sometimes, the individual is required to make a small co-payment upon receiving services which may range from $5 to $20 as an estimated average.  If you are unsure about whether or not you qualify for Medicaid in the State of Florida, you should speak to your local Department of Social Services.  This is also where you would apply for coverage and be assigned a caseworker who can help you.

If your income is deemed too high to qualify you for Medicaid, you still may be able to qualify for the Medically Needy program.  This program requires individuals to incur a specific amount of medical expenses per month before they are considered for approval.  The amount of coverage and the qualification criteria will depend on your household income and size, as well as how much your medical costs are.  To learn more about this and other programs that you may qualify for, contact the Department of Social Services in your area.



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