Medicaid application can be done online. Those who qualify for Medicaid or CHIP can complete their application through Health Insurance Marketplace. Medicaid application online takes about half an hour, the same as any other application through the Health Insurance Marketplace.
While the online application can be made through Health Insurance Marketplace through healthcare.gov or through your state’s own Marketplace, you won’t be able to apply year-round. The applications for government-subsidized health insurance is only open between November 1st to December 15th of every year.
Therefore, you can’t apply for Medicaid at any moment. This also gets in the way of applying for Medicaid online. Since you can’t have access to Health Insurance Marketplace outside of the given dates, online application for Medicaid isn’t going to be possible.
You must apply for Medicaid in person unless you qualify for the Special Enrollment Period.
What is Special Enrollment Period?
We’ve gone over this in our detailed article about the Health Insurance Marketplace. To make it short, you can only qualify for the Special Enrollment Period because of certain life events.
These life events must have a direct impact on the health coverage or limit the existing coverage you have. For example, you qualify for the Special Enrollment Period if someone in your Marketplace plan dies and you need to enroll in a new plan. Other reasons for someone to qualify for the Special Enrollment Period include:
- Legal Separation
- Having a child
- Placing a child in foster care
- Getting married
Outside of these reasons, you must wait for the open enrollment but can still apply for Medicaid outside of the Marketplace.
Apply for Medicaid in a Medicaid Office
Since you can’t apply for Medicaid online through the Marketplace when it isn’t open or when you don’t qualify for the SEP, you can only apply in a local Medicaid office. Though make sure that you qualify for Medicaid when before you plan on applying for it.
Most people mistaken Medicare with Medicaid. While Medicare is designed only to help elderly people help cover the cost of health insurance, Medicaid is for those who can’t afford health insurance regardless of their age.
Generally, to qualify for Medicaid, you must be 65 or older, have a permanent disability recognized by Social Security; be blind, or a child. Though the coverage of Medicaid is more than these. Go to your local Medicaid office and see whether or not you qualify for Medicaid.