We HIGHLY recommend checking out this list of SCI grants to help pay for expenses related to your injury, including health insurance. Many invaluable grant resources are available.
Both the federal US government and your individual state government provide healthcare and additional services for people with disabilities. The federal system, Medicare, and the state system, Medicaid, are two separate entities that are managed, funded, and applied for separately.
*Personal healthcare coverage is unavoidably specific. As an individual with a spinal cord injury, you will have a different set up and different needs than others. This learning portal will go over the general structure of Medicaid for a typical person with a disability. Please know you may require a different combination of programs. For example: you may have private health insurance already, which affects the state and federal programs for which you qualify.
*The qualifications and application for Medicaid varies from state to state. There are websites below that will help you find your states’ Medicaid headquarters. The configurations are similar state-to-state, but you will need to do some research to find exactly how your state’s program works and what it provides.
Medicare – Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease.
Medicaid – Medicaid is a joint federal and state program that helps with medical costs for some people with limited income, limited resources, or certain disabilities. Medicaid programs vary from state to state, but most health care costs are covered if you qualify for both Medicare and Medicaid.
We included the definitions of these programs because it is important to comprehend that they are different. In some situations, a person could have both Medicaid and Medicare simultaneously. This portal will focus on the state provided Disability and Income Based – Medicaid (MA).
In certain situations, it is possible that a person has both Medicaid and Medicare simultaneously. When there is more than one payor, then rules surrounding “coordination of benefits” determine which payor pays first. If services are covered by both Medicare and Medicaid—such as doctor appointments, hospital care, skilled nursing care and home care—then Medicare becomes the primary payer. Medicaid pays last and is considered the payer of last resort.
Primary Payer – the insurance plan that processes the claim first when a member has more than one health insurance plan covering the services.
Secondary Payer – the plan, insurance policy, or program that pays second on a claim for medical care. A secondary payer may be either Medicare, Medicaid, or other insurance depending on the situation. Their payment is only to the extent that the rest of the payment has not been made.
What does Medicaid do?
Medicaid is a health insurance program provided by the state. If you work for Target Corporation, they provide a private health insurance program through a health insurance company, such as Medica, that will cover the majority of fees when you go to the emergency room, when you see your personal care physician for a stomach ache, when you have surgery on a broken finger, or any other non-elective interactions with medical providers. Even though Target provides this health program, you will pay a monthly fee—a premium—to maintain your coverage.
Because you are recognized as disabled by the state, Medicaid provides you a similar healthcare coverage program. Depending on your specific situation, you may pay premiums or a spend-down to the state to maintain coverage, but these are typically much lower than the premiums of private insurance plans found through the new www.healthcare.gov marketplace.
This is the major benefit. Because you’re disabled, you will potentially need more frequent and intensive health care, which would drive up your personal expenses if covered by standard healthcare programs. Through the government, these health care prices are controlled, all while still providing the more robust care you may need.
Within Disability-Based Medicaid, there are specific programs for individuals in different scenarios. Check out this portal to find what could work best for you.
If you have not yet applied for federal Medicare, you can do that here. You need both programs to get the best coverage: http://www.ssa.gov/planners/disability/dapply.html#&sb=1
- Medicaid is funded by both the U.S. government and the individual state you live in
- You can be on both Medicaid and Medicare if you are eligible
- If your state has a Medicaid buy-in and you maintain eligibility based on program rules, you can both work and keep your Medicaid.