How does Medicaid spend-down work?
Medicaid is a state-sponsored public health benefit for those with low incomes. Sometimes those who don’t meet eligibility guidelines can qualify through a Medicaid spend-down, also know as “Medically Needy Programs” or “Excess Income Programs” in some states.Who It’s Meant ForMedicaid’s income eligibility is relatively low, usually around the federal poverty limit, so a select few qualify. However, sometimes those who have high medical costs, but whose income doesn’t meet the Medicaid eligibility guidelines, can qualify through a Medicaid spend-down. According to Medicare Interactive, medical costs need to be high enough that it can be shown to greatly reduce the “usable” income, or the income that can be used toward other needs.Where It’s AvailableMedicaid spend-down is not available in every state. According to the Kaiser Family Foundation, Medicaid spend-down programs are available in 33 states and Washington, DC.How to Use ItAfter someone applies to the program through the local M
