![]() PM me if you need more info or have any questions. The system will tell you which program you are eligible for. One question it will ask is if you are seeking financial assistance, please make sure to check "yes" so the system will screen you for both Medicaid and QHP at the same time. Once you create an account, follow the steps to enter your information. To apply for Medicaid and QHP: Visit and create an account. You can cancel at any time without having to worry about paying a penalty. ![]() The taxes you've paid in your life contribute to this program as well, so think of it as a way of the State to pay you back. If you're hesitant, just remember that these programs are here for people who are down on their feet and need temporary assistance. If you're within the income limit, you have every right to get the benefits you're entitled to. If you're down on your feet and luck, and every dollar matters, I recommend you apply for Medicaid instead of a QHP. You may cancel your health insurance plan at any time for any reason. This is true regardless of what month you enroll in, even if you enroll in September 2021, your coverage will expire on December 31, 2021. You will have a period of time to re-apply for this benefit during Maryland's Open Enrollment Period which typically lasts from November 15 - December 15. If you decide to opt for this program and you enroll today, your coverage will end on December 31, 2021. The tax credit may only apply to your monthly premiums, there isn't assistance if you need help to pay for co-pays, deductibles, and other expenses. So if you qualify for a tax credit equal to $100 per month and you decide to claim it on your tax return, you could potentially get $1,200 worth of credit (depending on your income and other variables pertaining to your tax return, talk to a tax professional for more info). The tax credit I mentioned can be applied to your monthly premium, or you can claim the tax credit on your tax return at the end of the year. So if your premium is $100, and you qualify for a tax credit equal to $65 per month, your monthly premium will be $35. The State of Maryland and the Federal Government will provide a tax credit that provides a discount to reduce the cost of your monthly premiums. You will have to pay for this coverage every month, and standard co-pays, deductibles, and other related expenses will apply. ![]() Qualified Health Plan (QHP): A QHP is basically a private insurance policy you can buy from major carriers such as Blue Cross Blue Shield, Aetna, Kaiser, etc. It covers nearly every medical service and has prescription coverage. No extra costs associated such as co-pays, deductibles, etc. You may keep receiving Medicaid indefinitely, as long as you meet all of the requirements.ĭental is not included, however, you may still get a yearly exam and cleaning.Įven if you go to the hospital, your bills will be covered 100% If you renew your coverage, your coverage will last another year. Your coverage will last one year from the day you receive it unless you renew. If your new job offers health insurance, you can still keep Medicaid (and even have both coverages at the same time) as long as you meet the income guidelines. You may cancel this insurance at any time for any reason. A relative of mine had to go on Medicaid but found out they can keep their primary care doctor. The insurance does not cost anything and is accepted by most healthcare providers. Medicaid will be an excellent choice for you if you currently have no income and if your unemployment is less than $1,468. Therefore, a single adult may qualify for full Medicaid benefits if they earn less than $1,468 per month per ( (1).pdf] from the Maryland Department of Health. Fortunately, Maryland opted to expand Medicaid when the Affordable Healthcare Act (aka Obama Care) passed around 2012. Medicaid: A federal program facilitated by the State of Maryland to provide free health insurance to people with low-income or no income. To my knowledge, you've got two types of health plans you can apply for on : 1. I used to help people with their Medicaid for a living a few years ago and I will be happy to provide more information for you. I'm really sorry for your loss and I will pray you will get back on your feet soon.
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