Medicaid is the government run healthcare program for low income families in the United States. It is funded by both the federal and state governments, and managed by each individual state. Both US and non-US citizens can be served by Medicaid. Groups eligible include low income adults and their children, and people with certain disabilities. Medicaid is the largest source for health insurance for low-income families in the United States.
Does Medicaid cover car accidents?
But does having Medicaid qualify you for any type of auto insurance benefits? Depending on your state, you might be in luck. The Special Auto Insurance Policy (SAIP) in New Jersey is an organization that allows drivers who are eligible for Medicaid to obtain inexpensive medical coverage-only auto insurance. This policy ONLY covers medical expenses resulting from car accidents. It is not to be confused with liability coverage, collision coverage, comprehensive coverage, or any other car insurance coverage types.
In most states, however, having Medicaid alone will not cover injuries sustained in automobile accidents. You will need an additional insurance policy to cover this. It is most likely that your Medicaid policy WILL NOT cover auto accident injuries. Also, because Medicaid regulations differ in each state (and are always changing), it’s hard to say if they will pay anything until claims against the auto insurance company have been exhausted.
Please visit the government Medicaid website to see if your state offers any type of auto insurance for Medicaid policy holders. You may also call the Medicaid headquarters at toll free 877-267-2323.
Solutions for those still in need of auto insurance
If your Medicaid policy does not cover automobile accident injuries, a good car insurance policy will. Unfortunately, many drivers throughout the country remained uninsured because they simply cannot afford it. Many states have set up low-cost auto insurance programs (separate from Medicaid) for those who qualify for it. California, for example, has set up the California Low Cost Automobile Insurance Program which helps low income families obtain affordable car insurance.
Apart from government programs, there are many discounts available through insurance providers. A lot of times, it just comes down to shopping around and doing your research. Call up a bunch of insurance companies or get some quotes online. Inquire about any discounts or special programs that are available. Often times, the insurance will be much cheaper than you expected.