There are some serious myths surrounding Medicaid. Here is what they are:
– Medicaid is only for elderly people or the poor. Medicaid is available to anyone, including those who have a lot of assets to help them afford their healthcare, such as retirement accounts.
– Medicaid isn’t subsidized. It’s not a means-tested program like Medicare. If you are below the poverty line, you can still qualify for Medicaid.
– Medicaid won’t cover your maternity. Some states have no-cost maternity exclusion.
– Medicaid doesn’t pay for your prescriptions. There are restrictions that apply to Medicaid Part D plans.
– Medicaid doesn’t provide needed health care. While there is an effective system of private insurance that provides critical care to the uninsured, Medicaid is more focused on preventive care of low-income patients.
– Medicaid doesn’t cover preventive health services such as mammograms. Your insurance may include maternity care. You should check with your insurance provider to be sure your plan covers the mammogram costs you need.
– Medicaid doesn’t cover substance abuse and mental health treatment. Depending on your needs, you may have to pay co-payments for these services. Also, you might not qualify for inpatient care or inpatient rehabilitation.
– Medicaid doesn’t pay for emergency services. In a pinch, you can find other sources for health care.
– Medicaid doesn’t pay for prescriptions. It’s true that many people have private insurance that will cover some prescriptions. But if you are dependent on Medicaid for your medical care, you have a right to fill out a Prescription For Seniors form and fill the prescription yourself.
– Medicaid won’t cover physical therapy. However, there are private insurance providers that do reimburse for physical therapy.