Medicaid
November 16, 2025
Medicaid: Who Is Eligible?
Good question. It depends — there's no single “Medicaid age” that applies to everyone. Eligibility depends on income, age, state, whether you’re a parent, disability, etc. Here’s how it generally works and how you can sign up.
Who Is Eligible for Medicaid
- Medicaid covers: children, low-income adults, pregnant women, people with disabilities, and older adults. (USAGov)
- Under the Affordable Care Act (ACA), many states have expanded Medicaid to cover most low-income adults under age 65. (Medicaid)
- For people 65+ or those who are disabled, there are different rules (often linked to Social Security/SSI). (Medicaid)
- Non-financial eligibility also matters: you typically need to be a resident of the state you’re applying in. (Medicaid)
At What Age Can You Sign Up
- Children: Medicaid (or CHIP) often covers children up through their teen years, depending on state income limits. (Medicaid)
- Adults under 65: If your state has expanded Medicaid, adults under 65 with low income may qualify. (Medicaid)
- 65 and older: Older adults with low income can also qualify, sometimes in combination with Medicare. (Medicare.org)
- Disability: If you have a qualifying disability, you might be eligible at any adult age. (Medicaid)
How to Sign Up for Medicaid
Here are the main steps to apply:
Check Your State’s Medicaid Agency
- Since Medicaid is run by states, the first place to check is your state Medicaid office. (USAGov)
Apply Through the Health Insurance Marketplace
- You can apply via HealthCare.gov. If someone in your household might qualify, your application can be forwarded to your state’s Medicaid agency. (HealthCare.gov)
- Call the Marketplace at 1-800-318-2596 if you want help. (HHS)
Apply Directly Through Your State
- Many states let you apply online, by mail, over the phone, or in person at a local Medicaid office. (ACL)
- You’ll need documents like: name, date of birth, Social Security number, proof of income, proof of citizenship or legal residency, proof of state residence. (USAGov)
What Happens After You Apply
- Once you're found eligible, coverage can start either on the date of application or at the beginning of that month, depending on your state. (Medicaid)
- In many places, Medicaid can cover you retroactively (for up to 3 months before you applied) if you were eligible during that time. (Medicaid)
Things to Watch Out For
- State Differences: Because rules vary by state, what qualifies in Florida (or wherever you are) might be different than in another state.
- Renewal: Medicaid coverage isn’t always permanent — you may have to renew periodically. (USAGov)
- Documentation: Missing paperwork can delay your application. Make sure you gather all required documents before you apply.
- Get Help: If the process seems confusing, you can get help from “navigators” or local health‑care assistance organizations.
Medicaid is a medical assistance program that ensures access to healthcare for low-income individuals and families. It also helps seniors and people with disabilities cover the costs of skilled nursing care, as well as other medical and long-term care expenses. Ruth C. Rhodes provides guidance to clients on qualifying for, obtaining, and maintaining Medicaid benefits. She employs a variety of legal strategies and instruments designed to protect and preserve assets while maintaining Medicaid eligibility. Ruth advises clients on the most suitable long-term care and living arrangements for their specific circumstances. Additionally, she creates personalized plans for clients and their families, helping them manage personal and financial resources effectively to achieve their long-term goals as their loved ones age. For assistance, call Rhodes Law, P.A. at 321-610-4542 and let Ruth and her team create a personalized plan for you and your family!
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