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Medicaid Explained: Eligibility, Application, and Coverage

Medicaid is a vital joint federal and state program offering comprehensive health coverage to millions of low-income Americans and specific vulnerable populations. Eligibility primarily hinges on income relative to the Federal Poverty Level (FPL), though specific groups like pregnant women, children, adults with disabilities, and some seniors automatically qualify regardless of ACA expansion status. Each state administers its own Medicaid program, setting specific income thresholds and covered categories. To apply, individuals typically go through their state's Medicaid agency, often accessible via their state's Department of Health or Human Services website, or by visiting HealthCare.gov, which can direct them to the appropriate state portal. Medicaid coverage is extensive, encompassing essential health benefits such as doctor visits, hospital stays, prescription drugs, mental health services, preventive care, and often long-term care, significantly reducing healthcare costs for its beneficiaries.

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