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Medicaid for Adults with Disabilities
Medicaid is a medical assistance plan for persons who are elderly, blind, or disabled. Adults who receive Medicaid must earn below a certain level of income. (In Pennsylvania, children with disabilities may qualify for medical assistance without regard to parental income, though each child's own personal assets, if any, will be considered.)
In order for an adult to qualify for Medicaid, he or she must first apply for and be approved for Supplemental Security Income ("SSI"). This means that the adult must meet the following conditions:
- age 18 years or older
- unable to work/disabled
- earn less than $1,000.00 per month
For more information about SSI eligibility, please Refer To The Article On SSI Contained Within The Government & Legal Section Of The Car Autism Roadmap™.
While Medicaid is a comprehensive health insurance plan, it is not accepted by many physicians. If the individual who is applying has additional health insurance, he or she should be encouraged to keep it and not rely on Medicaid exclusively. Additionally, Medicaid is the payer of "last resort." That means that if there is other health insurance, the other insurance must be used before Medicaid; however, if the service is rejected by the individual's first insurer, Medicaid can be a source for payment.
Medicaid is the only medical insurance to cover long term residential care. It is most important to establish eligibility for Medicaid in case the individual's parent becomes incapable of caring for the adult child. In such instances, a Medicaid waiver for a residential program can be sought. Medicaid also covers the costs for day placements, job training, and other programs. The costs and access to these programs is only paid by Medicaid and not through any other public or private insurance carrier.
An individual with a disability who gets a job that puts him or her over the earnings limit ($1,000 per month) can maintain Medicaid in certain situations. There are specific rules that apply, but in general, the individual can maintain Medicaid if he or she has been eligible for SSI payments for at least one month, needs Medicaid in order to work (for example, job training), and if the individual has gross earned income below a certain threshold. The rationale for allowing increased income for working individuals is to encourage employment.