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It works almost like a deductible for car insurance. When you have accumulated medical bills (paid or unpaid) greater than your excess income, you will get Medicaid for that month. You are responsible for the bills up to the excess amount; Medicaid will only pay those bills over the excess amount.
You can pay your monthly excess income amount for any month to your local Department of Social Services. You should only do this if you need services in that month. Ask your social services worker about this option.
Resources are money or other assets available to you. Examples of countable resources include: checking/savings account balances, Stocks, Bonds, IRAs, Burial Funds, etc. Spenddown is the amount of medical expenses for which you are responsible. Spenddown is like an insurance deductible.
Spend down means to spend until you have docHubly less or nothing left.
WHAT IS A SPEND DOWN? For an individual receiving Supplemental Security Income (SSI) and/or Medicaid, a Spend Down literally refers to spending excess money that he/she receives within a calendar month to maintain eligibility for public benefits.

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What is a spend down budget period? A spend down budget period is a period of time when your Medicaid eligibility will be determined under the spend down process. Spend down budget periods are six (6) months long for Long Term Care Medicaid and one (1) month budget periods for other Medicaid groups.
Via income spend-down, excess income can be spent down on medical bills each month in order to qualify for Medicaid. Medical bills can include: Health insurance premiums. Prescription drugs. Physician visits.
What is Covered by Community Medicaid? Community Medicaid is standard health insurance and covers most healthcare such as doctor visits, hospital visits, lab tests, and prescription drugs. Most people in the aged, disabled, and blind category also have Medicare.

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