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Medicaid Programs for People with Disabilities

Medicaid Programs for People with Disabilities

Medicaid is a federal government program that provides health insurance to low-income individuals and families who cannot afford healthcare costs. 

Medicaid may help pay for certain medical expenses, such as medical bills, prescriptions, vision and dental care, nursing home care, personal care services, and more.

Who is eligible?

There are unique guidelines for different Medicaid programs. You can see these additional requirements in the description of the programs. To be eligible for general Medicaid, you must:

  • Meet income guidelines

  • Be a US citizen or give proof of eligible immigration status
  • Live in North Carolina and provide proof of residency
  • Have a Social Security number or have applied for one

How can I apply? What should I bring with me?

You can apply for Medicaid online or visit your local Department of Social Services (DSS) office. You can also complete a paper application and drop it off or mail it to your local DSS.

When applying for Medicaid, provide the following information:

  • Birth certificate

  • Social Security card

  • Photo ID

  • Proof of citizenship or immigration status (passport, green card, employment authorization card)

  • Paycheck stubs from the last month, a written letter from your employer with wage amounts, or tax records for the previous year

  • Proof of all income from sources like Social Security, Veterans Benefits (VA), and retirement benefits - Bank statements are NOT an acceptable proof of income - MUST provide an award letter

  • Bank statements from the last month for ALL accounts

  • Copies of all life insurance policies

  • Proof of any property that you own (home, land, vehicle, etc)

  • Proof of residency (rent receipt, mortgage, lease, or written statement from landlord)

  • Insurance benefit card, if you have any other health insurance

  • Medicare card, if you have Medicare

Medicaid for the Blind or Disabled (MAB) (MAD)

This program provides health insurance to low-income legally-blind individuals and people with disabilities.

To receive Medicaid for the blind or disabled, a doctor must evaluate you, unless you already receive Social Security Disability Insurance benefits. Anyone receiving Supplemental Security Income (SSI) is already eligible for Medicaid and does not need to apply for this program.

 

Your resources may not be more than $2,000 for an individual or $3,000 for a married couple. The value of your home, one car, home furnishings, clothing and jewelry are not counted. Resources include:

  • Cash

  • Bank accounts

  • Retirement accounts

  • Stocks and bonds

  • Cash value of life insurance policies

  There are income limits to be eligible. See the table below:

If your family income and resources are over the limit and you have high medical bills, you may still qualify for Medicaid and have a Medicaid deductible (see program information below).

Medicaid with a Deductible

This program provides health insurance to low-income parents, children, older adults, and people with disabilities whose family income and resources are over the income limit and who have high medical bills.

You will be eligible for Medicaid on the date that the medical costs add up to the amount of the deductible. If you have a large medical expense or if you are close to meeting your deductible, take your bills to your local Department of Social Services office as soon as you get them. Remember to keep receipts.

Unpaid medical bills and any current medical expenses count toward meeting your deductible.

Unpaid Medical Bills

  • The bill must be less than 2 years old or have a payment paid on it within the last 2 years
  • The bill must be unpaid, and the medical provider must still be billing you
  • All medical insurance you had at the time must have been filed

Current Medical Expenses

  • Hospital, clinic, and laboratory charges
  • Visits to the doctor, dentist, or therapist
  • Prescription drugs
  • Over the counter drugs 
  • Medical supplies, such as bandages, needles, incontinence pads, etc
  • Equipment such as dentures, eyeglasses, hearing aids, walkers, etc
  • Transportation to the doctor or hospital

Medicaid for Workers with Disabilities (HCWD)

This program provides health insurance to workers with disabilities.

For free coverage, your unearned income cannot exceed 150% of the Federal Poverty Level. People with incomes above 150% of FPL must pay an annual enrollment fee, and people with incomes above 200% of FPL must pay an annual enrollment fee and a monthly premium.

Your resources may not be more than $24,180. The value of your home, one car, home furnishings, clothing and jewelry are not counted. Resources include:

  • Cash

  • Bank accounts

  • Retirement accounts

  • Stocks and bonds

  • Cash value of life insurance policies

Community Alternatives Program (CAP)

This program offers home- and community-based services to children and adults with disabilities who are at risk of having to enter a nursing facility. 

Examples of services include:

  • Personal care aides

  • Home accesibility and adaptation

  • Meal preparation and delivery

  • Respite services

  • Specialized medical equipment

People applying for CAP must provide an FL-2 form from their doctor that shows the need for nursing facility level of care, in addition to the regular Medicaid application requirements.

To find help in the NC 2-1-1 database, search by:

Medicaid

Long Term Home Health Care

Need more information?

If you didn't find what you need on this page or need more information on local resources, dial 2-1-1 or 888-892-1162. Our call specialists are available 24 hours a day, 7 days a week.

 

Prepared by: NC 2-1-1/LP

Date Updated: May 24, 2018

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