If you receive federal disability benefits, you are likely eligible for some form of health insurance, but when the insurance starts and what coverage you get depends on the type of benefits you are receiving. In today’s post, we cover health insurance coverage for those who receive Supplemental Security Income (“SSI”) benefits. Later in the week, we discuss the options for those who receive Social Security Disability Insurance (“SSDI”) benefits and those who receive both types of benefits.
SSI benefits and health insurance
In most states, once you begin receiving SSI benefits, you are automatically eligible to receive Medicaid coverage. Like SSI benefits, Medicaid is a means-tested program for Americans with lower income and few assets. In the states where SSI approval automatically makes you eligible for Medicaid coverage, there is nothing else for you to do. The application for both programs is the same, so once the Social Security Administration (“SSA”) approves you for SSI benefits, the state should start your Medicaid coverage.
Oklahoma, though, is not one of these states. Along with 10 other states, Oklahoma has its own Medicaid eligibility rules separate from (and stricter than) those of the SSA for receiving SSI benefits. Additional details on SSI and Medicaid qualification are available from a Tulsa Oklahoma Social Security disability attorney.
In another group of states and territories (Alaska, Idaho, Kansas, Nebraska, Nevada, Oregon, Utah and the Northern Mariana Islands), the eligibility guidelines for Medicaid are the same as those for SSI, but you have to file a separate application to get Medicaid coverage.
Are you a current SSI beneficiary or were you one in the past? How did you ensure that you and your family had healthcare coverage while you were receiving SSI benefits?
Troutman & Troutman, P.C. – Tulsa Social Security disability attorneys