What is the Medicaid Buy-In Program for People with Disabilities?
One of the most important of the Work Incentives Programs is referred to as the Medicaid Buy-In program. Currently about 28 states, including Illinois, operate Buy-In programs. Buy-In programs enable people with disabilities to earn money at a job, but to retain full Medicaid benefits without paying a spend-down. Buy-In enrollees usually pay a monthly premium to stay in the program, but the premiums are typically substantially less then the spend-down amount. The Medicaid Buy-In Program in Illinois is known as the Health Benefits for Workers with Disabilities (HBWD) program. To learn more about the HBWD program, including eligibility guidelines and how to apply, go to the HBWD website – www.hbwdillinois.com.
