What is Medicaid?
Medicaid (also called
Medical Assistance) is a program that pays the medical bills of people
who have low income and cannot afford medical care. Medicaid provides
three types of critical health protection:
-
Health insurance for low-income families, children,
the elderly, and people with disabilities;
-
Long-term care for older Americans and individuals
-
Supplemental
coverage for low-income Medicare beneficiaries (e.g., payment of
Medicare premiums, deductibles, and cost sharing).
Medicaid is a joint
federal and state program. Each state establishes its own eligibility
standards, benefits package, provider requirements, payment rates, and
program administration under
broad federal guidelines. The Department of Health and Mental Hygiene
(DHMH) runs Maryland’s Medicaid program.
Who is Covered Under Medicaid?
Medicaid covers persons who fall into certain
“categories” such as low-
income families,
children, pregnant women, women with breast or cervical cancer, the
elderly, and persons with disabilities. People who receive money
through Supplemental Security Income
(SSI) or
Temporary Cash Assistance (TCA) automatically receive Medicaid. In
addition, persons may qualify for Medicaid because of high medical
expenses (commonly hospital or nursing home
care), if
they have low income and assets and are aged, blind, or disabled. For
more information on who is covered, see
Medical Care Programs
Eligibility. To find out if you are eligible for
Medicaid, you must file an application with the appropriate
local department where you live.
How do Individuals Apply for Medicaid?
People who receive
Supplemental Security Income (SSI) or Temporary Cash Assistance (TCA)
automatically qualify for Medicaid and do not need to apply.
If you do not receive
SSI or TCA, you must file an application to find out if you are
eligible for Medicaid. To do this, you must go to the
Local Department of Social Services
(LDSS) in the city or county where you live. If you are
applying for a child or are pregnant, you may file an application for
the Maryland Children’s Health Program (MCHP), which covers the same
services as Medicaid. You may apply at your
Local Health Department
(LHD) for MCHP or to be screened for breast or cervical
cancer. If you are elderly and are only applying for assistance under
the Qualified Medicare Beneficiary (QMB) or Specified Low-Income
Medicare Beneficiary (SLMB) Program to pay your Medicare premiums,
co-payments, or deductibles, you may apply at your LDSS. QMB/SLMB
applications may be filed by mail or in person. To receive an
application, call your LDSS or the
Area Agency
on Aging
(AAA).
To apply for the
Maryland Pharmacy Assistance Program, you may get a mail-in
application by calling 1-800-226-2142.
What Services are Covered Under Medicaid?
Medicaid and MCHP
cover a broad range of health care services, including services
mandated by the federal government as well as optional services that a
state may choose to cover. For a list of covered services, click “Covered
Services”.
How do Medicaid Eligibles Receive Services?
Once someone has filed
an application and been determined eligible for Medicaid, they will
likely receive their medical services through the State’s Medicaid
Managed Care Program,
HealthChoice. If someone qualifies for HealthChoice,
they will choose a Primary Care Provider (PCP) and be enrolled with a
Managed Care Organization (MCO) of their choice.
If the person does not
qualify for HealthChoice (e.g., because they are also Medicare
eligible, eligible for Medicaid through spenddown, or eligible in a
long-term care facility), they will still receive Medicaid services,
but through “fee-for-service” (FFS). This means that each medical
provider who provides services to the Medicaid recipient bills the
Medicaid program for payment. Prior to HealthChoice and other
managed care programs, all provider claims for Medicaid services were
handled this way.
Under HealthChoice managed care, the MCOs contract
with DHMH to provide Medicaid covered services through their provider
networks in return for monthly payments from DHMH. This set of
services is called the “Benefits Package”. The MCOs pay the providers
in their networks for these services. Some Medicaid services are not
covered by the MCOs, and may be received through Medicaid
fee-for-service (such as therapies for children). Specialty mental
health services are provided by the State’s public mental health
system. All Medicaid eligibles with full coverage receive the same
services, whether or not enrolled in an MCO. About 20% of Medicaid
eligibles are NOT enrolled in managed care, so their providers are
paid fee-for-service by DHMH.
For more information about Medicaid and other Medical
Care Programs:
|
Contact Recipient
Relations or Contact Provider Relations |
|
(410) 767-5800 (410) 767-5503 |
|
1 (800) 492-5231 1 (800) 445-1159 |
For more information about
Maryland Children’s Health Program (MCHP):
Contact MCHP Hotline 1
(800) 456-8900
For more information about
Maryland Children’s Health Program (MCHP) Premium:
|
Contact Case
Management Unit or Contact Policy Division |
|
(410)
767-6883 (410) 767-3641 |
|
1 (886)
269-5576 (410) 767-6890 |
For more information
on Medicaid eligibility, see "Medicaid Eligibility and Benefits".
Revised February
2006
|