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In addition to insurance that is available through private providers and
public resources, sometimes insurance is available specifically for children
with disabilities. Review the list below to see the requirements to qualify
for this insurance coverage.
| Situation |
Insurance Program |
| All Children, Middle Income Working
Families |
PeachCare for Kids:
Allows income eligible working families to purchase low cost
health insurance for any child under age 19. There is no cost
for children under age 5. Currently, the cost per month is $10
to $35 for one child and a maximum or $70 for two or more
children living in the same household.
To learn more about
this program. |
| Child with a Disability, Middle or
Higher Income Levels |
Deeming Waiver: A
Medicaid waiver program for children with significant disabilities. This
program is designed to provide Medicaid insurance to children who live
in families having income that is too high to qualify for Supplemental
Security Income (SSI). The Deeming Waiver Medicaid can be used as either
primary insurance or as secondary insurance when a child is covered
under a private insurance plan.
To learn more about this
program. |
| Medicaid Recipients who are Eligible
for Private Insurance |
HIPP (Health Insurance
Premium Payment): A program where the Department of Medical
Assistance (DMA) pays for the cost of your private health insurance
premiums. It is available to Medicaid eligible recipients (Medicaid,
Medicaid with SSI or Deeming Waiver) if the DMA determines it is more
“cost-effective” to pay for private insurance instead of having Medicaid
pay all the bills. It can benefit the entire family if a family
insurance plan is found to be more cost-effective.
To learn more about this
program. |
| All Children, Low Income Level |
Medicaid with SSI:
For families who are income eligible and who have a child with a
disability, it is possible for your children to receive monthly SSI
(Supplemental Security Income) payments and, along with that,
automatically receive Medicaid insurance.
To learn more about
this program. |
| All Children, Low Income Level |
Medicaid without SSI:
For families who are income eligible, it is possible for your children
to receive medical insurance coverage through Medicaid. This program is
available to children up to age 18 whether or not they have a
disability.
To learn
more about this program. |
| All Children, When Your Income is
Too High for Medicaid and You Have a Lot of Medical Bills |
Medically Needy Spend
Down Medicaid: If you have a lot of medical bills, but your income
is too high to qualify for “regular” Medicaid, you may be eligible for
the Medically Needy program. To learn more about
this program. |
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A special needs
trust is the only estate planning option that protects assets, enables the
beneficiary to receive goods and services from the estate, and still
preserves eligibility for government benefits. |
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