Which Medicaid Plan Would Be Best In Michigan
Michigan has 11 total health plan providers that you can choose from and each one will have varying packages that you may wish to look before you decide just which plan you want to choose for you and your family.
The plans are:
2. Blue Cross Complete of Michigan
3. Hap- Midwest Health Plan
4. Harbor Health Plan
10. United Health Care community plan
11. UPHP- Upper Peninsula Health Plan
All of the links to each of these providers sites and what they have to offer can be found on Michigans government webpage for you to view, so that you can get a better understanding of what they all have to offer and compare them so that you can find what is right for you and your family.
What Do You Get With A Blue Cross Complete Card
The blue cross and blue shield are recognized and trusted symbols of quality coverage. We’re committed to getting and keeping Michigan well. We strive to be your complete resource for your health care needs.
With Blue Cross Complete, you get more than great medical benefits. You get the care and personal service Blues members have come to expect. We also offer tips to help keep you well and other support and services to make it easier to manage your health.
In addition to Michigan’s Medicaid benefits, your card provides:
- Access to many of Michigan’s top doctors, specialists and facilities
- Programs to help you prevent and manage illnesses, such as asthma and diabetes
- Transportation services for rides to your medical appointments or to pick up prescriptions and durable medical equipment
- Exclusive discounts on healthy products and services through our Blue365® discount program. Just log in to your account to view and redeem the discounts
- Newsletters and reminders to keep you informed about your benefits, remind you of important health care screenings you may need and offer ideas for staying healthy
Member Resources
How To Calculate Net Income
Now that you have your households monthly gross income, you can use that number to calculate your net income. Use the chart below to calculate your monthly net income and determine if your household is eligible for Michigan SNAP EBT benefits.
Please note that there may be exceptions to the net income calculation. These exceptions apply to household members that are elderly or disabled. For more information or immediate help call your local Michigan office.
How to Calculate Net Income for Michigan Food Stamps |
Net Income Calculation: |
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Mi Snap Standard Deduction Amount
When determining your eligibility for Michigan food stamp benefits, you will subtract a standard deduction from your total household income. The standard deduction amount is based on two factors your household size and location.
To find out how much your standard deduction will be, use the SNAP Standard Deduction Chart for fiscal year 2022 provided below:
Michigan SNAP Standard Deductions for Fiscal Year 2022 |
Effective October 1, 2021 September 30, 2022 |
Household Size |
$1,500 earned income + $550 social security = $2,050 gross income. | |
If gross monthly income is less than the limit for household size, determine net income. | $2,050 is less than the $2,871 allowed for a 4-person household, so determine net income. |
Medicaid For Long Term Care
Medicaid for Long Term Care provides support to thosewith long-lasting health problems or disabilities andincludes services such as home health aides,nursing home care, andcommunity based care that are not covered by regular Medicaid.Most people would benefit from speaking to an expert before applying forMedicaid for long term care.If applying, consider contacting a Medicaid Navigator or a legal aid nonprofit in your state.This website does not currently have any information about Medicaid for Long Term Care.
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How Many People Are On Medicaid
According to the Centers for Medicare & Medicaid Services, as of November 2020, here are the number of people enrolled in Medicaid and Chip in the entire United States:
- 78,521,263 individuals were enrolled in Medicaid and CHIP
- 72,204,587 individuals were enrolled in Medicaid
- 6,695,834 individuals were enrolled in CHIP
What Is Blue Cross Complete
Blue Cross Complete is a health care plan contracted with the state of Michigan. We help Medicaid members get the health care they need in 32 Michigan counties in the Lower Peninsula. View our to learn more about the programs and services available. For more information about our mission and values, visit our page.
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What Money Does The Government Consider Your Income
The income used to determine Medicaid eligibility is called Modified Adjusted Gross Income . Adjusted gross income is the total of all the money you earned during the year minus any allowable tax deductions. MAGI is your AGI plus any untaxed foreign income, non-taxable Social Security benefits, and tax-exempt interest. According to the federal government, for many people MAGI is identical or very close to adjusted gross income. To learn more about calculating MAGI, use this government resource linked here.
As a general rule, if your income is below 138% FPL and your state has expanded Medicaid coverage, you qualify for Medicaid based only on your income. But check with your state-specific Medicaid program to get specific requirements.
How Many People Are Enrolled In Expanded Medicaid In Michigan
Michigans Medicaid expansion program began April 1, 2014 , and enrollment in expanded Medicaid stood at nearly 652,000 people at the start of 2020. But enrollment has climbed significantly since then, due to the COVID pandemic and the resulting pause on Medicaid eligibility redeterminations. As of mid-2022, enrollment in Healthy Michigan stood at more than a million people.
As of April 2018, some Healthy Michigan enrollees were transitioned to private plans . This includes people with income above the poverty level who had been enrolled in Healthy Michigan coverage for 12 or more consecutive months, and who did not participate in the Healthy Behaviors Incentives Program or receive a medical exemption.
By March 2022, total enrollment in Medicaid in Michigan stood at 2,901,288, which was a 52% increase over the enrollment total at the end of 2013. This total includes people who were already eligible for Medicaid based on the pre-ACA guidelines, as well as roughly a million people who had enrolled as a result of Medicaid expansion.
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Need More Help With Your Mi Food Stamps Application
For more help with your Michigan food stamps eligibility or application, contact your local Michigan county assistance office.
You can also call the Michigan SNAP Family Service Center at 866-311-4287
Customer Service representatives are available to help you Monday through Friday from 8:00am to 6:00pm.
If you are hearing impaired or deaf, please contact Relay Services by calling 711.
Michigan Medicaid Health Plans
Most people with Michigan Medicaid will have to select a health plan. Plans are different in every county. The benefit of choosing a plan is that your care will likely be much more coordinated and run more smoothly. Your doctors and specialists are more likely to work well together. Aside from the county health plans, Michigan has four eligibility group plans:
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Income Threshold For Medicaid Michigan
The Michigan Medicaid Income Limit is calculated as a percentage of the Federal Poverty Line.
To qualify, you must meet the Michigan Medicaid Income limits listed below.
Here is the Federal Poverty Level for 2021.
2021 Federal Poverty Levels for the 48 Contiguous States & D.C. |
Household Size |
Additionally, to be eligible for Medicaid, you cannot make more than the income guidelines outlined below:
- Children up to age 1 with family income up to 212 percent of FPL
- Any child age 1-5 with a family income up to 212 percent of FPL
- Children ages 6- 18 with family income up to 212 percent of FPL
- CHIP for children with family income up to 212 percent of FPL
- Pregnant women with family income up to 195 percent of FPL
- Parents of minor children with family income up to 54 percent of FPL
- Individuals who are elderly, blind, and disabled with family income up to 100% of the FPL
- Adults without dependents under Medicaid expansion with income up to 133% of the FPL
Freedom To Work: Working And Getting Medicaid
The Freedom to Work law allows people with disabilities to get TM Group 1 coverage while working. To be eligible, you must meet these requirements:
- Be disabled according to Social Security Administration standards
- Have a Social Security number
- Be a U.S. citizen or an immigrant with a specific status
- Report certain information to MDHHS
- Apply for any state or federal benefits for which you could be eligible
There is an asset limit and income limit. If you earn a substantial income from work, you may have to pay a premium on your coverage. The premium amount increases the more money you make.
To learn more, you can speak with someone at MMAP. Your local legal services office may also be able to help you. Use the Guide to Legal Help to find a legal services office near you.
You can also contact a local FQHC. They often have patient advocates who can help answer questions about Medicaid. Use the locator tool to find a FQHC near you.
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Understanding Michigan Medicaid Eligibility
The first step to determining whether or not you qualify for Michigan Medicaid or other healthcare assistance is determining your total household income. The chart below can help you determine whether or not you might be eligible for Michigan Medicaid in 2019. The income limits are subject to change each year.
Medicaid Income Eligibility Chart State By State
The following is each of the states, listed alphabetically. Under your state of residence, you will find all of the relevant information regarding the Medicaid Income Eligibility Chart for each of three programs available: regular, in-home nursing care, and institutional nursing care.
Additionally, each of these programs will have additional information about the income limits for those who are single, married with both spouses applying, and married with only one spouse applying.
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How Eligiblity Is Determined
Eligibility for Medicaid for adults aged 19 to 64 requires meeting an income limitthat is based on your household size.There is no asset test.
Your household size for Medicaid is typically the same as your tax filing household size:you + your spouse + your dependents. If you’re claimed as a dependent by someone else, or if yourpregnant, your household size may vary from your tax household size. If either of thosesituations apply to you,try using our Medicaid Eligibility Calculator for assistance calculating yourhousehold size.
A household’s Modified Adjusted Gross Income is used for eligibility decisions for many medical assistance programs. It’s similar to Adjusted Gross Income which is on your tax return, however some uncommon deductions are added back.For most people it shouldn’t be too much different than your total household income, so when readingthe charts below use the combined income from all household members from jobs and other sources,except for child support, Supplemental Security Income, and childrens’ non-taxable income.
Some pathways for Medicaid eligibilty may only be available if you’re a parent to a child 18 or youngeror are pregnant or were pregnant in the last 12 months.
How To Qualify For Medicaid
Almost every state has multiple Medicaid programs. But, as a good rule of thumb, if you make less than 100% to 200% of the federal poverty level and are pregnant, elderly, disabled, a parent/caretaker or a child, theres likely a program for you. And if you make less than 133% of the FPL**, theres possibly a program for you, depending on whether your state expanded Medicaid under Obamacare. In 2021, the federal poverty levels range from $12,880 to $44,660 .
In 2021, the federal poverty level in Alaska ranges from $ $16,090 to $55,850 . The federal poverty level in Hawaii ranges from $14,820 to $51,360 .
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Medicaids Rules For Immigrants:
- Undocumented immigrants do not qualify for full Medicaid coverage, but they may qualify for Medicaid coverage for emergency services.
- Most immigrants who have been lawfully present for less than five years do not qualify for full Medicaid coverage. However, they may qualify for private coverage subsidized by the government.
- Immigrants who have been lawfully present for five years or longer and some other noncitizens who meet specific noncitizen requirements qualify for the same programs that U.S. citizens can get.
Premium Tax Credit Income Limits
The Premium Tax Credit is a tax credit on health insurance plans purchased through the HealthInsurance Marketplace. Households can take this tax credit in advance,using it to lower the monthly premium on their health insurance plan.Credit amounts are based on household income and are available to households with incomeabove 100% of the Federal Poverty Level. Therefore, the income limits below are the minimumincome limits: only households with more than the monthly amount are eligible.Typically, the credits phase out above 400% of the Federal Poverty Level , however for 2022 marketplace planscredits may be offered for households with higher incomes. If you are eligible for health insurancethrough your employer, in most cases you are not eligible for the Premium Tax Credit.One exception to the 100% Federal Poverty Level minimum income requirement for the Premium Tax Credit appliesif an individual is a lawfully presentimmigrant who would be eligible for Medicaid if it weren’t for their immigration status.For these individuals, the Premium Tax Credit becomes available even if the household has $0 in income.
- 1 person household
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The Following Income Levels For Cap Are Effective As Of January 2021
Announces new income limits for snap benefits. May 01, 2021 · the medicaid income limit is the most important criteria for deciding whether you qualify for medicaid in your state. The basic guidelines for the program are established. Applicants with resources or income in excess may be able to qualify for medicaid by working with a medicaid planning professional. Below are the snap income limits beginning october 1, 2020 through september 30, 2021: However, this is not always the case. The median income limit for parents in these states is just 41% of poverty, or an annual income of. House hold/family size 100% 150% 200% Jan 21, 2021 · medicaid eligibility for adults in states that did not expand their programs is quite limited: Feb 23, 2021 · 2021 poverty income guidelines contiguous states u.s. Medicaid in pennsylvania is called medical assistance . Some states do not have a strict income limit. Grantees effective february 23, 2021
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Michigans Medicaid Work Requirement Proposal Took Effect January 1 2020 But Was Soon Overturned By A Judge And Approval Was Later Revoked By The Biden Administration
Michigan proposed a Medicaid work requirement for the Medicaid expansion population that received federal approval in late 2018. The work requirement waiver was based on legislation the state enacted in 2018 , and it took effect as of January 2020 non-exempt Medicaid expansion enrollees had to complete at least 80 hours per month of activities that could include work, school, job training, etc., and begin reporting their work hours as of February 2020.
But in early March, a federal judge overturned the states work requirement, which immediately eliminated the work requirement and reporting requirements . Gov. Gretchen Whitmer who has long opposed the Medicaid work requirement but who took office after it had been enshrined in statute and approved by CMS had asked Michigan lawmakers to delay implementation of the Medicaid work requirement until the lawsuit was resolved, in order to avoid wasting taxpayer dollars. But they opted to allow it to continue as planned, although that only lasted a couple of months.
Utah and Michigan were the only states with Medicaid work requirements in effect as of early 2020, and both were soon suspended . Medicaid work requirements had been approved in several other states as well, but some were overturned by lawsuits, and others were suspended or postponed by the state due to COVID. By 2021, the Biden administration had revoked work requirement waivers in every state where they had previously been approved.
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Transfers Not Labeled As Divestments
There are certain transfers that MDHHS wont label as divestments. These types of transfers can be complicated. Here are some examples:
- An income transfer that is not countable income for SSI related to TM
- A transfer from one spouse to another, or a transfer solely for the benefit of the spouse not getting one of the services listed above
- A transfer to a blind or disabled child, regardless of that childs age
- A transfer totally for a purpose other than to be or stay eligible for TM
There are other types of transfers that MDHHS will not label as divestments not listed here. If you have questions about whether MDHHS will count a transfer as a divestment, you can speak with someone at MMAP. Your local legal services office may also be able to help you. Use the Guide to Legal Help to find a legal services office near you.
You can also contact a local FQHC. They often have patient advocates who can help answer questions about Medicaid. Use the locator tool to find a FQHC near you.