Senior Care Solutions: What is Medicaid?
Benefits are available to help pay for long-term care. We’ll help you qualify.
- More people quality for Medicaid than you might think.
- For those who qualify, there are many programs to help pay for medical and care costs.
- Medicaid does pay for nursing home care when needed.
- A Medicaid Aged and Disabled Waiver (A&D Waiver) through the Indiana Division of Aging can help pay for in-home services or assisted living services.
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
- Eligibility (screening for seeing if you qualify via FSSA)
- Get Coverage (applying for health coverage via FSSA)
- Providers (find a Medicaid health care provider)
- Federal Marketplace (those who don’t qualify for Medicaid can apply at healthcare.gov)
- Get Help Applying (navigators in each county help explain options and how to apply)
- Member Rights & Responsibilities (learn about your rights and responsibilities)
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!