Q:

Who can sign up for a UnitedHealthcare Community Plan?

A:

Quick Answer

UnitedHealthcare Community Plans are state HMO plans available at little to no cost to those who qualify for Medicaid, according to UHCommunityPlan.com. Examples include people with disabilities, pregnant mothers and their babies, children under age 19, and seniors who qualify for both Medicare and Medicaid.

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Full Answer

Under the Affordable Care Act, Medicaid is available to people earning up to 133% of the federal poverty level, even adults without children, as Medicaid.gov specifies. Medicaid follows federal guidelines as far as who is covered, but coverage differs among states.

Community plans act as an HMO for Medicaid insurance, as noted by Consumer Reports. The purpose of the HMO is to ease the problem of finding doctors who accept Medicaid and knowing what services are available. For the states, these plans ease administration of increased Medicaid enrollment and meeting federal guidelines. Health insurance can be either for profit or non-profit; community plans are often non-profit. Additionally, multiple Medicaid insurance plans may exist in each state.

After a person determines federal Medicaid eligibility, the next stage is to check Medicaid expansion in his state of residence and view available plans, according to HealthCare.gov. Even if a state has not expanded Medicaid to cover more people, the state still offers Medicaid.

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