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How to apply for Medicaid in the U.S.

Health insurance coverage is vital when seeking the best medical care for you and your family. Fortunately for some people who fall into defined groups, each state in the U.S. operates a Medicaid program that offers low cost and free health coverage to eligible individuals. Although each state's program is different, the application process is similar across the nation.

  1. Determine Eligibility

    • Several groups of people are eligible for Medicaid or its sister program, the Children's Health Insurance Program (CHIP). Children who belong to low- to moderate-income families generally qualify. For example, children belonging to a family of four with an annual income under $45,000 will likely qualify. In addition, parents with poverty-level incomes may also be eligible. Other groups who may qualify for Medicaid coverage include low-income pregnant women, individuals with disabilities and seniors.

    Gather Documents

    • When applying for Medicaid, many documents are required. You will need to provide proof of citizenship, such as a birth certificate, state-issued driver's license or social security card, for all members of your household. Proof of income and assets is also usually necessary. Pay stubs, payroll records, recent W-2 forms, and copies of bank statements may be needed. Depending on your state, you may need to provide other documents such as children's shot records.

    Apply

    • Generally, you can apply for Medicaid online, through the mail or in person at the local government office that administers Medicaid. However, the application process for Medicaid differs by state, so contact the department in your state that administers Medicaid for complete information. To find your state's Medicaid program, visit InsureKidsNow.gov and select the link, "Programs in Your State."

    2014 Expansion

    • President Barack Obama signed the Affordable Care Act of 2010 on March 23, 2010. This health reform law expands Medicaid eligibility to cover 16 million low-income children and adults through Medicaid. As of January 1, 2014, any U.S. citizen under 65 who has an income at 133 percent of the federal poverty level or lower can be covered by Medicaid. This makes Medicaid coverage an option for many low-income adults who were not eligible previously.

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