APPLYING FOR ILLINOIS MEDICAID
Most likely you’ve heard of the 10 commandments, the 11th commandment is:
Never, ever file a Illinois Medicaid application
until you are sure that you qualify
or it is strategically beneficial to be denied!
You should submit a IL Medicaid application 90 days or more prior to the date that they believe the loved one will be eligible for benefits, given the current delays in the Medicaid approval process.
A Illinois Medicaid application requires a mountain of paperwork, and is then submitted to an overwhelmed and sometime adverse government processing system, which makes filing an application for public benefits an enormous project.
Present the information in a way that it can be easily understood by Illinois Medicaid officials.
When applying for Medicaid or other public benefits, there are often many hidden potholes, obstacles, and dangerous curves in the road.
General Information on Applying for Medicaid in Illinois
Medicaid Applications in Illinois
The pile of paperwork required and sometimes inefficient government processing system can make filing an application for public benefits an enormous project. Although the federal government shares the cost of funding the Medicaid program with the State of Illinois and requires the state government to uphold certain standards with respect to efficiency and the granting of Medicaid applications, it is not uncommon for a state or county office to fail to meet the federally imposed guidelines.
Therefore, when applying for Medicaid or other public benefits, it is crucial for applicants
to be well prepared and well versed in the implications of all information
to be supplied in support of the application.
Following is a sample list of Medicaid application issues which should be addressed to avoid unnecessary delays and denials.
- Timeliness of Filing Your Illinois Medicaid Application
It is important that applicants do not apply for Medicaid prematurely. Strategies for Medicaid planning often include triggering a penalty period for IL Medicaid eligibility purposes. While the time in which to wait to file an application may be more or less than five years, filing an application during a period of ineligibility could potentially cause a significant delay in the applicants eligibility approval status. It is, therefore, important to check with a qualified professional as to the date after which the application may be filed.
- Authorization to Apply
In most cases, the applicant himself or herself is unable to visit the County social services office and offer detailed information on his/her financial status. The law, therefore, specifically provides that a relative, welfare agency staff member, staff member of the institution in which the applicant resides, or a professional may apply on the applicant’s behalf. Because the Medicaid eligibility laws and policies are rapidly changing, subject to shifts in politics and lobbying by advocates for the elderly, applicants are well advised to retain individuals with comprehensive knowledge of the Medicaid eligibility rules and all strategies that may be legally employed to expedite eligibility.
- Physical Criteria for Medicaid Eligibility
Qualifying for IL Medicaid involves not only financial criteria, but also physical requirements. Therefore, applicants must demonstrate through a physical exam that he or she is unable to perform the activities of daily living, including feeding, dressing, bathing, toileting and continence. If it cannot be shown to Medicaid that the care is medically necessary, the Medicaid application will be denied.
- Substantiating the Data Needed for Approval of a Medicaid Application
The Medicaid application itself is several pages, and the answers to each question must be substantiated by legal or financial documentation. These supporting documents include: social security cards, Medicare cards, health insurance cards, birth certificates, marriage certificates, death certificates, life insurance policies, deeds, car registrations, household expense bills, funeral arrangement documents, pay or pension stubs, and financial statements typically dating back five years prior to the time the Medicaid application is filed.
Each Medicaid office in Illinois has a computer program to verify social security numbers, employment history, or other personal information. Likewise, if any financial information is not disclosed to a county social service office, the office may deny the application based on information it periodically receives from the Internal Revenue Service. Intentional failure to disclose relevant financial data is considered Medicaid fraud. Even in cases where Medicaid eligibility has initially been granted, the county welfare office may revoke the approval upon receiving the IRS records.
- Additional Documentation and County Verification for Medicaid Eligibility
The requirement that financial statements dating back five years prior to the filing of the application be submitted also varies from county to county. Depending on the circumstances, some counties have been known to request as little as forty-two (42) months of statements.
Enacted in 1965 through amendments to the Social Security Act, Medicaid is a health and long-term care coverage program that is jointly financed by states and the federal government. Each state establishes and administers its own Medicaid program and determines the type, amount, duration, and scope of services covered within broad federal guidelines. States must cover certain mandatory benefits and may choose to provide other optional benefits.
Federal law also requires states to cover certain mandatory eligibility groups, including qualified parents, children, and pregnant women with low income, as well as older adults and people with disabilities with low income. States have the flexibility to cover other optional eligibility groups and set eligibility criteria within the federal standards. The Affordable Care Act of 2010 creates a new national Medicaid minimum eligibility level that covers most Americans with household income up to 133 percent of the federal poverty level. This new eligibility requirement is effective January 1, 2014, but states may choose to expand coverage before this date.
The Children’s Health Insurance Program (CHIP) was created in 1997 through an amendment to the Social Security Act to provide health care coverage to low-income children not already eligible for Medicaid. Like Medicaid, CHIP is jointly financed by states and the federal government. States have the option of using CHIP funds to expand their existing Medicaid program, create a separate stand-alone CHIP, or do a combination of both.