Can I get Medicaid if I already have insurance?
Asked by: Pauline Krajcik | Last update: November 9, 2025Score: 4.8/5 (4 votes)
Do I qualify for Medicaid if I already have insurance?
You can have Medicaid and private health insurance at the same time, and there are some advantages and disadvantages to doing so. In many cases, if you're eligible for both Medicaid and private insurance, your private insurance plan will be the primary coverage, and your Medicaid coverage will be supplemental.
Can you have insurance and Medicaid at the same time?
The simple answer to the question of “can you have both Medicaid and private insurance?” is a resounding “YES”!
Who is currently eligible for Medicaid in Texas?
Eligibility: The aged, blind, and disabled. Also, parents with dependent children are eligible with household incomes up to 15% of FPL. Children are eligible for Medicaid or CHIP with household incomes up to 201% of FPL, and pregnant women are eligible with household incomes up to 198% of FPL.
Can you have private insurance and Medicaid in Texas?
Medicaid will pay the family's private health insurance if the total cost of that insurance is less than the total cost of care with Medicaid. The total cost of the private insurance includes the premium, coinsurance and deductibles.
Can life insurance affect Medicaid eligibility?
How much does Medicaid cost per month?
Amounts. Most states adjust premium amounts by beneficiary income, with approved possible charges ranging from approximately $5 to $74 per month. Four states (AR, AZ, MI, and MT) have approved waivers to require monthly premium payments as a percentage of income.
Who pays first, Medicaid or private insurance?
In most cases, Medicaid acts as the payer of last resort for most services. Under the program's third-party liability (TPL) rules, other legally responsible sources are generally required to pay for medical costs incurred by a beneficiary before the Medicaid program will do so.
Should I enroll in Medicare if I have employer insurance?
People still working at the age of 65 with employer health benefits may not need to sign up during the Initial Enrollment Period. They may qualify for a special enrollment period if they have qualifying insurance coverage from work.
What does Medicaid not cover?
Though Medicaid covers a wide range of services, there are limitations on certain types of care, such as infertility treatments, elective abortions, and some types of alternative medicine. For example, the federal government lists family planning as a mandatory service benefit, but states interpret this differently.
What income is too high for Medicaid?
In general, however, the income limits are low. In most states in 2025, the income limit for receiving long-term care at home or in a nursing home through Medicaid is $2,901/month.
What are the four types of Medicaid?
- State-operated fee-for-service (FFS)
- Primary care case management (PCCM)
- Comprehensive risk-based managed care (MCO model)
- Limited-benefit plans.
Do you have to have a job to get Medicaid?
No. Unlike employer-sponsored plans, Medicaid is not tied to your job. You'll still have it even if you lose your job because of COVID-19 or for any other reason. If you find a job, your new financial situation will determine whether you qualify for Medicaid.
What happens if you make too much money while on Medicaid?
If you're over the Medicaid income limit, some states let you spend down extra income or place it in a trust to help you qualify for Medicaid. If you receive long-term care but your spouse doesn't, Medicaid will allow your spouse to keep enough income to avoid living in poverty.
How often does Medicaid check your bank account?
Medicaid agencies can check your account balances for bank accounts at any financial institution you've used in the past five years. They will check when you submit an application and on an annual basis, but checks can occur at any time.
What to do when denied Medicaid?
Typically, an applicant has between 30 and 90 days to appeal, or in other words, request a Medicaid Fair Hearing. Once requested, a date for the hearing is set. A state's Medicaid agency must have the hearing and issue a decision within 90 days of receiving the hearing request.
Can you have Medicaid and employer insurance at the same time?
You can qualify for Medicaid even if your employer offers health insurance. If you lose your Medicaid coverage for some reason, that would be considered a qualifying event, and you would be able to add coverage with your employer outside of the open enrollment period.
Does everyone have to pay $170 a month for Medicare?
Most people pay no premiums for Part A. For Medicare Part B in 2025, most beneficiaries will pay $185 per month. Certain factors may require you to pay more or less than the standard Medicare Part B premium in 2025.
Will I lose my Medicaid if I get Medicare?
People who have both Medicare and full Medicaid coverage are “dually eligible.” Medicare pays first when you're a dual eligible and you get Medicare-covered services. Medicaid pays last, after Medicare and any other health insurance you have.
What are the disadvantages of having Medicaid?
- Lower reimbursements and reduced revenue. Every medical practice needs to make a profit to stay in business, but medical practices that have a large Medicaid patient base tend to be less profitable. ...
- Administrative overhead. ...
- Extensive patient base. ...
- Medicaid can help get new practices established.
Does Medicaid cover 100% of hospital bills?
What Medicaid Covers. Once an individual is deemed eligible for Medicaid coverage, generally there are no, or only very small, monthly payments, co-pays or deductibles. The program pays almost the full amount for health and long-term care, provided the medical service supplier is Medicaid-certified.
What disqualifies you from Medicaid?
Assets eligible for Medicaid consideration include: Checking and Savings Accounts – Any checking or savings account with your name or your spouse's name count as an asset. Therefore, having a high amount of funds in those accounts could disqualify you. This includes long-term savings accounts or investments like CDs.
Is it worth having Medicaid?
Having health insurance through Medicaid helps Americans stay healthy, go to work, care for their families and pay their bills. The Medicaid program also helps communities, hospitals, schools, and economy thrive.