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Medicaid
Reviewed by Medicinsk Expert•Last updated: 2026-10-22•Health System

Medicaid

Medicaid is a government-funded health insurance program designed to assist low-income individuals in the United States with medical expenses.

Overview

Medicaid is government health insurance that helps many low-income people in the United States to pay their medical bills. The Federal government sets up general guidelines for the program, but each state has its own rules. Your state might require you to pay a part of the cost for some medical services.

Eligibility Requirements

You have to meet certain requirements to get Medicaid help. These might involve:

  • Your age
  • Whether you are pregnant, blind, or have a disability
  • Your income and resources
  • Whether or not you are a U.S. citizen or, if not, what your immigration status is

Centers for Medicare and Medicaid Services

Frequently Asked Questions

Medicaid eligibility is based on strict income limits, which vary by state and household size. If your income rises above the threshold, you may lose eligibility. However, some states offer a "look-back" period or allow you to keep coverage for a short time if you lose your job. It is crucial to report any change in income or employment status to your state Medicaid agency immediately. Failing to report changes can result in overpayment claims that you will have to repay, or potential penalties.
Yes, Medicaid is required to cover mental health services, including counseling, therapy, and psychiatric care, as part of its essential health benefits. However, the specific providers and types of therapy covered can vary by state. Some states may require you to use in-network providers or obtain prior authorization for certain specialized treatments. Check your state's Medicaid provider directory to find licensed mental health professionals who accept Medicaid.
Medicaid is a state-specific program, so your coverage does not automatically transfer when you move. You must apply for Medicaid in your new state of residence. Your eligibility will be re-evaluated based on that state's specific income limits and rules, which may differ from your previous state. You should apply as soon as you move to avoid gaps in coverage. Keep records of your previous coverage and any medical history to help expedite the new application process.
The federal government requires states to process Medicaid applications within 90 days. However, many states aim to process them much faster, often within 30 days. If you are pregnant or have a child in the household, the timeline may be shorter. If your application is pending, you can call your state's Medicaid office or check their online portal for status updates. If you need immediate care while waiting, ask your provider about emergency coverage options or hospital charity care programs.
Source: MedlinePlus, National Library of Medicine

MedlinePlus brings together authoritative health information from the National Library of Medicine (NLM), the National Institutes of Health (NIH), and other government agencies and health-related organizations.

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