What Medicaid Covers

All states have programs to pay private health insurance premiums. If you have private insurance and qualify for Medicaid's insurance premium payment program, it is an excellent way to continue with the same medical care you have been receiving but without having to continue to pay your health insurance premiums.

Cost Effective: State Medicaid health insurance premium payment programs (HIPPs) must be cost effective so they typically require proof that it would be cheaper for Medicaid to pay your health insurance premium than to be sole payer of your medical bills if you lost the coverage. Usually, as part of the application process, you must show that the insurance company is routinely paying more in claims than the amount of your insurance premiums. In some states the requirement is the the insurance company routinely pay as much as double the premiums.

Health Insurance Plans Which Are Covered: Most states will pay any health insurance premium provided the plan is broad enough to be cost effective from Medicaid's point-of-view. This includes individual health plans, group plans, even COBRA employer group extended coverage and "post-group" further extended coverage. The primary exception is that some states will not pay the premiums of their state's high risk health plan pool. To learn more about high risk plans, see: How To Obtain Health Insurance.

Check with your state's Medicaid program for the details and requirements of your state's HIPP program.

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