What Does Medicaid Cover?

Medicaid is a joint federal and state program that helps with medical costs for most retired and disabled people living with limited resources. Medicaid offers benefits not normally covered by Medicare, such as nursing home; personal care; laboratory tests and x-rays; care at federally qualified health centers (FQHC); and ambulatory, inpatient and outpatient hospital services.

States may also provide optional services, with additional matching of funds from the federal government. The most common of the 34 approved optional Medicaid services are intermediate care facilities for the mentally handicapped; home- and community-based care to certain individuals with chronic impairments; and rehabilitation and physical therapy. Prescription medications, prosthetic devices and eyeglasses, as well as the medical services necessary to acquire these, are covered under Medicaid in most states. Clinical, diagnostic and transportation services are also frequently reimbursed.

Each state sets its own Medicaid eligibility guidelines. New York expanded its Medicaid coverage to low-income adults under the age of 65 who do not yet have Medicare, such as people on Social Security Disability. Those who did not qualify for Medicaid in the past are urged to reapply under the new expansion Medicaid rules. There are many services available under the program for families with young children, including pediatric care, vaccines and early intervention.

According to the NY Department of Health, the chart below depicts the income ratio necessary to qualify for Medicaid and the amount of benefit you might receive.

Medicare

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