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Medicaid, like Medicare, is a state health insurance program designed to help the people who most need it. While Medicare is targeted to seniors, Medicaid targets those who lack the financial means to pay their necessary medical bills.


Medicaid as a State Health Insurance Program

Medicaid was implemented as part of the 1965 Social Security Act as an optional state health insurance program. It has proven highly popular, and since 1982 every state in the U.S. has had its own state-run program. Each state program has its own name, for example, "TennCare" in Tennessee, "MassHealth" in Massachusetts, "Medi-Cal" in California, and "Oregon Health Plan" in Oregon, and the details of each program are different. Nevertheless, they all share a common thread: a dedication to helping low-income Americans get health care.

Top 12 Reasons To Get Medicaid State Insurance

1. Health Insurance Companies Are Out To Get You. They exist to make as large a profit as they possibly can, and have no qualms about denying you coverage even if you've diligently paid each month. If you're interested in making sure you and your family has access to quality medical care, and you're eligible for Medicaid, don't let the health insurance companies steal any more of your money.

2. The Price Is Right. Everyone is stressing out about money these days, and some individuals and families are stressing more than others. Medicaid offers free state health insurance to those in dire need, which could be you. To people struggling to stay afloat and feed themselves or their children, "free" is always going to be the best price. Even if your Medicaid state plan requires a co-payment, it's still much cheaper than paying the full doctor's bill.

3. Access To Prescription Drugs. The only things more expensive than doctors' bills these days are pharmaceuticals. If you need to take medicine for a difficult health condition, you may find your disposable income cut in half or wiped out completely. Medicaid gives you access to the pills you need for an extremely reasonable price.

4. Disability Assistance. If you're disabled and in a low-income bracket, your life is likely very difficult. In Medicaid, which specializes in helping disabled Americans, you can get the care, treatment, and prescriptions you need to live a normal, healthy, productive life.

5. Children First. Medicaid was originally designed to help working families with children to pay for their kids' medical support. Thus, most Medicaid state plans have excellent pediatric care programs in place, to make sure that as a working family, your kids get the health care they need.

6. Focus on HIV/AIDS. Over fifty percent of those suffering from HIV or AIDS are enrolled in Medicaid. If you're struggling with the high cost of treatment and prescriptions, Medicaid's special focus on helping those suffering from HIV/AIDS can work to your advantage.

7. Inclusive Health Care. - As a means-tested, needs-based program, Medicaid eligibility is not based on age, gender, race, orientation, or ethnicity. The only two things the Medicaid application measures are how able you are to pay for private health insurance, and how much you need Medicaid. Both these things are extremely honest assessments of your situation. Medicaid providers want to make sure they help people who truly need it, and if you truly need it, you will be included.

8. State Health Insurance, Not Federal. Because Medicaid is a state-funded program, each Medicaid state program is slightly different depending on its unique geographic and cultural elements. As a state program, Medicaid is more likely to be able to accommodate your personal situation than a federal program, because Medicaid workers are more familiar with typical state concerns.

9. Fast, Retroactive Coverage - Medicaid workers know that when you need medical assistance, you need it now. You can't afford to wait six months to a year to get your Medicaid application processed. That's why not only are you sure to get your Medicaid card within a month (and many receive it within a week), but coverage begins three months retroactive to your application. This means that if you got slapped with a huge bill that you're unable to pay before you're enrolled in Medicaid, so long as you get it within three months, it will be taken care of.

10. You've Got Nothing To Lose. It's easy to apply for Medicaid. All you have to do is fill out a form and send it in. No waiting in lines, no fees, and no difficult conversations on the phone. Just send in the form and wait a month for your state health insurance program's reply about your Medicaid eligibility. You may benefit from speaking with a lawyer about your Medicaid application if you're not sure how to answer the questions.

11. Reduce the Stress on the System. When a low-income American has an emergency condition and is rushed to the hospital, this costs the hospital money. If the sick person can't pay, the hospital ends up swallowing the costs of the treatment. This is one of the factors that have led to hospitals charging an arm and a leg for treatments, creating a vicious cycle. The only way to break that cycle is to enroll as many people in Medicaid as possible. When hospitals don't need to charge so much money to make up for the cost of treating people without state health insurance, treatments become affordable, ensuring that when you no longer apply for Medicaid, you will still be able to afford your hospital bills.

12. Everybody Needs Help Sometimes. Millions of Americans live on the edge of poverty. One unexpected hospital bill could push them into serious difficulties. Over 60% of those eligible for Medicaid don't take it, due to lack of information or belief that they're not qualified. If you meet Medicaid eligibility requirements, and you, like everyone, could use some help, you should at least apply for Medicaid. What have you got to lose?