In all states, Medicaid along with the Chip program provides health coverage to individuals with disabilities, seniors, parents, and pregnant women and children. Created by the Social Security Act in 1965, Medicaid is the largest federal-state partnership to help low income families and individuals. Federal law requires states that wish to participate in Medicaid to cover certain populations or eligibility groups. Each State is responsible for providing their own individual eligibility criteria within the federal minimum standards. Coverage and costs may vary state to state, as some Medicaid programs pay for care directly while others may use private insurance companies to provide the Medicaid coverage. Today, almost 60 million people have health care coverage through Medicaid.

To qualify, there is an application process to asses certain factors such as, household size, income, age and disability. Medicaid provides a wide range of health insurance coverage, including hospital expenses, doctor visits, in-home care giving services, nursing home care and some long term care costs. If a Medicare participant is eligible for Medicaid they may even pay for their Medicare part D premium.

Because each state has established different rules and agencies to administer their Medicaid programs it is important to educate oneself early on and a good way to do this is to contact a consultant.