Medicaid health insurance is a type of insurance policy which provides insurance to the lower strata of society and the lower income families. This insurance policy is given free of cost as the families cannot afford to buy a policy and safeguard their families. The statistical data shows that on an average one out of five citizens avail these facilities of free insurance for health. The government provides for a budget for this type of insurance policies and it is the second largest funds available after the Education Fund of the country of North Carolina.
The Medicaid health insurance is prominent in the state of North Carolina and you have to be a citizen of the state to avail the facility. You will have to show proof that you are a very low income earner and have no other means to fend for your family’s medical expenses. It is also provided on the basis of the present financial situation. There are also certain criteria under which you can avail the health insurance. They are as follows:
* If you are more than 65 years of age
* If you are physically disabled
* If your dependent is mentally disabled
* If you are blind
* If you are suffering from breast or cervical cancer
* If you are a child with in the age group of 6 to 19
* If you are pregnant
The policy is based on the FPL (Federal Poverty Line). If the citizen is below this FPL and his child (who is below the age of 6) needs medical treatment, the overall income of the family should be less than 200 per cent. For instance, the person is a resident of the United States and his income is less than 20,000 dollars for four members of a family he can easily avail this facility.
In order to prove that you are eligible to attain this Medicaid health insurance, you can collect various documents from the government like
* Income certificate
* Birth certificate
* Social security card
* Citizenship proof sowing that you are a citizen of North Carolina
Apart from these, you will also have to bring proof from the Department of Health and Human Services that you or your defendant is genuinely ill. You can go to the DHHS office and get through all the documentation work. It will make your work faster rather than trying it all by yourself. You may also be asked for other documents for property which have been mortgaged, your rent agreement, regular bills of electricity and phone, and also your bank statements to verify your transactions. You can save on a lot of time if you carry all these documents before hand while going to the DHHS office.
In case your claim is rejected, then you can get the proof documents and apply for the Medicaid health insurance once again. You can do so within 60 days from the rejection of the previous appeal. Thus this insurance is of great help to the under privileged.
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