Senior Care Solutions: What is Medicaid?
Benefits are available to help pay for long-term care. We’ll help you qualify.
- Every resident of Indiana is entitled to Medicaid benefits.
- There are several benefit programs that cover many areas of need.
- Medicaid pays for in-home care, assisted living, and nursing home care.
- Medicaid covers co-pays, deductibles, etc.
Medicaid is a program that helps cover costs across a variety of areas relating to health care, nutrition, children, etc. This program is available to every resident of the state. Understanding what benefits are available to your aging loved ones and determining what is takes to qualify is what we do at Senior Solutions Consulting (SSC). If you have ever tried to apply for benefits, whether it’s basic health care, in-home care, assisting living, or nursing home care, then you know how easy it is to get lost in an endless stream of paperwork and regulations. Medicaid works in conjunction with Medicare and supplemental or Advantage plans to ensure that no one goes without basic health care. Medicaid is not just for the poor or those with low incomes. Anyone with substantial health issues and/or large health care costs could potentially benefit from Medicaid services. If you need help determining what programs might be of assistance to you and how to qualify, you can take advantage of an initial free consultation with SSC. We are experts at making sure your aging loved ones get all the benefits they deserve! Give us a call at 317-863-0213 to learn more about how we can help you.
What is Medicaid? The Big Picture
While the funds come from the federal government, they are passed on to the states, and each state is responsible for administering its own Medicaid program but must meet federal regulations and requirements if they want to keep receiving those federal funds. As a side note, you may see the acronym CHIP in relation to Medicaid. That stands for the Children’s Health Insurance Program, but our focus is more on aging adults and/or seniors with disabilities.
Medicaid in the State of Indiana
Medicaid Expansion in Indiana
Indiana passed its own innovation expansion program called Healthy Indiana Plan and referred to as HIP 2.0 (since it was an amended form of a previous plan). While it expanded the number of people who qualify significantly, it took a more rigid approach with the requirements of some members having to pay monthly premiums. In 2019 Indiana started to implement a work requirement for Medicaid expansion enrollees but soon had to stop the implementation because of a lawsuit. Several other states that tried Medicaid work requirements had them overturned in the courts. Whether Indiana will be successful in eventually implementing a Medicaid work requirement remains to be seen. It would not apply to seniors age sixty five or over.
Indiana Division of Aging and Medicaid Waivers
Original Medicaid pays for long-term care at a long-term care facility. For those who may not need that level of care, the Waiver program can provide payments for care in assisted living facilities or in a person’s home. Indiana Medicaid home and community-based services is where the Waiver for in home care and assisted living services is obtained. The Aged and Disabled Waiver page of Indiana Medicaid has basic information about how that works and what it covers.
Medicaid Eligibility for Seniors in Indiana
- Healthy Indiana Plan (expanded Medicaid program)
- Hoosier Care Connect (this is for the elderly and disabled)
- Hoosier Healthwise (this is for children, youth, and pregnant women)
- HoosierRx (helps seniors pay for medications and Medicare Part D premiums)
- Medicare Savings Program (helps seniors and the disabled pay for Medicare costs)
- Pharmacy Benefits (overview of how to fill subscriptions for Medicaid members)
- Traditional Medicaid (this is the regular low-income program)
- Indiana Medicaid Covered Services (helpful list of common medical services covered)
The Indiana Medicaid website also has an Understanding Terms page that defines many of the words and phrases used when discussing Medicaid and its benefits.
Is Your Head Already Spinning? We Get It! Contact SSC for Help
When you have questions about benefits for long-term care, SSC has answers!