Medicaid for the Working Disabled
Uninsured but working?
If you able to work, even part-time, but can't afford to buy health insurance on your own, you still may qualify for Medicaid. Congress created the Medicaid for the Working Disabled category in 1997, and each state can decide whether to opt in. Currently, 42 states offer a Medicaid for the Working Disabled option. The idea is to support people with medical conditions to continue working, if they can, without fear of losing their Medicaid health insurance because they make too much money. It allows people to continue working while meeting their medical needs. In some states, you could work up to $60,000 a year and still keep your Medicaid insurance.
The Medicaid for the Working Disabled category may be an option to consider if you
- Have a blood cancer diagnosis
- Have a full- or part-time job, or are self-employed
- Meet your state's income requirements
- Need health insurance.
Medicaid covers hospital stays, doctor's visits, lab tests and prescription drugs. In some states, Medicaid also covers transportation to and from medical appointments, dental and vision care, and home care assistance. Co-pays are low or none at all.
Some states also allow you to receive Social Security Disability insurance, to work, and to receive Medicaid at the same time. Finally, the definition of "disabled" that Medicaid uses for this program is more flexible than what Social Security uses.
For more information, visit www.medicaid.gov, which has a useful tool "Medicaid Information by State," or visit your local Medicaid office and ask about the "Medicaid for the Working Disabled" program in your state. Or contact your local LLS Chapter by visiting www.LLS.org/chapterfind.
To access additional services, visit the National Cancer Legal Services Network at www.nclsn.org/members-directory.
Reviewed by: Brian J. Cohen, Staff Lawyer (LegalHealth)
New York Legal Assistance Group