America s Health Insurance Plan - 1018 Words

The Health Insurance Association of America describes Medicaid as a government insurance program for people of all ages whose income and resources are insufficient to pay for health care. America’s Health Insurance Plans (HIPAA, pg. 232). Michigan Medicaid State Plan is an agreement between the state and federal government that identifies the general health care services, reimbursement, and eligibility policies in effect under Michigan Medicaid (Marilyn, T., (2013). The state of Michigan on December 30, 2013 obtained approval from the Center for Medicare and Medicaid Services to amend its 115 demonstration waiver â€Å"Healthy Michigan† to implement the Affordable Care Act’s Medicaid expansion. The waiver and association plan amendments went†¦show more content†¦It requires copayments for beneficiaries 0-138% FPL not greater than those allowable under current law, which can be reduced by participating in specified healthy behavior activities. It also re quires beneficiaries 100-138% FPL to make income-based contributions to health savings accounts. Qualifications for Medicaid Expansion Program In order to qualify for this benefit program, you must be a resident of the state of Michigan 19 – 64 years, a U.S. national, citizen or permanent resident in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income and who are not currently eligible for Medicare, and earn up to 133% of the federal poverty level, which is about $16,000 for a single person and $33,000 for a family of four (Alssid, J.,2010) Goals: The goal of these health care programs is to ensure that essential health care services are made available to those who otherwise do not have the financial resources to purchase them. And to reduce uncompensated care, reduce number of uninsured, encourage healthy behaviors, improve access and understand the impact of contribution requirement and health accounts. Those with annual incomes between 100 percent and 133 percent of the federal poverty level are required to contribute 2 percent of their annual income for cost sharing, or premiums. Cost