Understanding Your Medicaid Benefits
Medicaid provides comprehensive coverage for a broad range of health services, which can help you get the care you need while avoiding burdensome medical debt. While this health insurance plan features robust coverage, it may not pay for all the services you need for general health. A health insurance agent can help you review your Medicaid benefits to help you make informed decisions regarding your health.
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What Is Medicaid?
Medicaid is the health insurance program that is funded by the states and the federal government according to federal requirements. Well over 70 million people are enrolled in this program, making it the single largest source of health insurance in the nation.
In all states, certain groups are eligible for this coverage, including income-qualifying families, pregnant women, children and Supplemental Security Income beneficiaries. Some states may extend coverage to people who meet other requirements, such as children in foster care or those who receive home- and community-based services.
What Does Medicaid Cover?
Medicaid benefits include inpatient and outpatient hospital services, home health care, lab and x-ray services and routine care. Depending on the state you live in, the Medicaid program may also cover case management, prescription drugs, physical therapy and occupational therapy.
Does Medicaid Cover Vision and Dental Services?
Because Medicaid is administered by the states, eligibility requirements and scopes of coverage vary. In some states, only children have coverage for vision and dental, while other states expand this coverage to everyone enrolled in the program.
In some cases, only emergency care is covered, meaning that you have to pay for routine and preventative care on your own. Additionally, policies may vary from one year to the next. Even if you have been enrolled in Medicaid for years, it is always a good idea to confirm your benefits so you know what to expect when you receive vision or dental services.
Medicaid in Nevada
Nevada Medicaid covers dental services, including preventative care such as routine cleanings and treatment services such as tooth extractions or cavity repair, for those aged 21 and under. For those over 21, the program only covers emergency exams and tooth extractions. If your circumstances meet certain requirements, you may be eligible to have full or partial dentures paid for by Medicaid.
Nevada Medicaid pays for medically necessary vision services, including care for eye disease, routine eye exams and prescription glasses. You get a certain allowance towards frames. If you want frames that cost more than the allowance, you have to pay the difference out of pocket. Contacts are only covered when they are medically necessary.
What Are My Health Insurance Options?
Comprehensive vision and dental coverage can save you hundreds of dollars in expenses, but if you only have Medicaid, you may not have enough coverage. At Nevada Insurance Enrollment, our health insurance agents can help you review your care needs and budget, determine what benefits you already receive through Medicaid and find affordable vision and dental insurance to fill in the gaps.
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