Medicaid Coverage
What is a Medicaid?
For millions of Americans, Medicaid means peace of mind. It’s a state and federally funded program that helps people with lower incomes get vital care, such as doctor visits, prescriptions, and hospital stays, without the high price tag.
This includes:
Children and
teens
Covers kids under 19 with things like checkups, shots, dental care, and more so they grow up healthy.
Pregnant women
Offers full care during pregnancy, birth, and after delivery to help keep mom and baby healthy.
Adults with low income
Helps adults who can’t afford insurance get doctor visits, hospital care, medicine, and more.
Seniors (65+)
Supports older adults with extra care, including help paying for Medicare and long-term care if needed.
People with disabilities
Provides health services and personal support for people who have a physical or mental disability.
People who need long-term care
Covers help with daily needs like bathing, dressing, and eating—at home or in a care facility.
Why choose a Medicaid?
Low-Cost Health Coverage makes Medicaid smarter, simpler, and more supportive.
Powered by our partnership with Impact Health Sharing
At Low-Cost Health Coverage, we believe healthcare should be accessible, understandable, and affordable for everyone—especially those who need it most. That’s why we’ve partnered with Impact Health Sharing to offer a stronger, more flexible way to support your Medicaid coverage.
Together, we help you fill the gaps, expand your options, and take control of your health with real support and no surprises.
Here's what makes our Medicaid support better:
Comprehensive medical care
Stay healthy with regular doctor visits, hospital care, and access to specialists. Medicaid covers preventive screenings, emergency services, and routine checkups to keep you well.
Maternal and child health
Get full support through pregnancy and beyond. From prenatal visits to post-birth care, Medicaid ensures moms and babies receive the care they need for a healthy start.
Prescription drugs
Affordable access to medications you need. Medicaid covers many generic and brand-name prescriptions, with a wide pharmacy network and help managing refills.
Vision & dental services
Take care of your eyes and teeth with covered eye exams, glasses, dental cleanings, and basic procedures so you can stay healthy and confident.
Mental health & substance use services
Support for your emotional and mental well-being. Get access to therapy, counseling, and recovery programs to help you through life’s challenges.
Community-powered care
Impact Health Sharing creates a community of members who support each other’s health expenses in a structured, transparent way.
Home and community-based services
Get care right where you live. For eligible members, Medicaid offers in-home support, help with daily tasks, and long-term care for chronic health needs.
Non-emergency medical transportation
Never miss an appointment. Medicaid can provide free or low-cost rides to doctors, pharmacies, or clinics so you can focus on your health, not the commute.
Wellness & lifestyle benefits
Stay well with extras that make a difference. Depending on your plan, you may receive monthly credits for over-the-counter items, healthy food, fitness support, and health education tools.
How to enroll with Low-Cost Health Coverage
Check if you’re eligible
Visit your state’s Medicaid website or reach out to our support team. We’ll help you understand the income and personal requirements based on your state.
Apply for Medicaid
You can apply online, by phone, by mail, or in person at your local Medicaid office. From questions to enrollment, we’ve got your back.
Choose your plan
Visit your state’s Medicaid website or reach out to our support team. We’ll help you understand the income and personal requirements based on your state.
What makes us different?
With Low-Cost Health Coverage and Impact Health Sharing, you get more than coverage, you become part of a supportive, transparent, and trustworthy healthcare community built around your real life.
Transparent, predictable costs
• You contribute a clear monthly share, no confusing premiums or hidden fees.
• After you meet your Primary Responsibility Amount (PRA), the community steps in to help cover eligible medical bills, easing your financial burden.
True provider freedom
• No need to stick to in-network doctors, visit any provider that accepts Medicaid or Medicare.
• This flexibility matches or exceeds traditional plans, without limiting your care.
Healthcare on your time
• 24/7 access to telehealth and virtual care with $0 provider fees means support is always within reach.
• Get medical support and peace of mind anytime with 24/7 nurse availability.
Community-powered, not-for-profit
• Members financially support each other’s medical bills, fostering a compassionate network.
• This non-insurance model helps you save more, often 30–50%, compared to traditional premiums.
Fast medical payments
• Impact has distributed over $22 million in shared bills and processes requests within 15 days.
• Rapid payments keep providers engaged and care uninterrupted.
Extra wellness perks
• Dental and vision discounts via Careington and VSP.
• Monthly wellness credits (up to $1,200/year) can cover gyms, supplements, acupuncture, and more.
No health screen hurdles
• Health history doesn’t define eligibility. Everyone deserves coverage, no matter their condition.
• You’re welcomed with dignity, even if you've had prior health issues.
Year-round enrollment
• No waiting for open enrollment, join anytime and start benefiting immediately.
• Monthly wellness credits (up to $1,200/year) can cover gyms, supplements, acupuncture, and more.
Member-focused approach
• A not-for-profit, volunteer-run organization built on transparency and stewardship.
• Our model prioritizes community wellness through proactive support, like mental and preventive care rather than reactionary cost control.
The Low-Cost Health Coverage Medicare Promise
Feel confident in your Medicare choice.
We’re here to help you find the Low-Cost Health Coverage plan that fits your life. Just enter your ZIP code and tell us what matters most, like dental, extra benefits, or low premiums.
Frequently asked questions about Medicaid
Who qualifies for Medicaid?
Medicaid eligibility is primarily determined by several factors:
• Income: Most applicants are assessed using Modified Adjusted Gross Income (MAGI).
• Household size: The number of people in your household impacts the income limits that apply to you.
• Demographic categories: Certain groups like pregnant women, the elderly, people with disabilities, or children, have separate qualifying standards.
• Residency and citizenship: You must reside in the state where you're applying and be a U.S. citizen or qualified non-citizen.
What income qualifies me for Medicaid?
Under the Affordable Care Act, many states broadened Medicaid eligibility to cover adults earning up to 138% of the Federal Poverty Level (FPL). In non-expansion states, eligibility is more limited. Some groups qualify under Supplemental Security Income (SSI) standards, which differ from MAGI.
What documents are required for Medicaid?
When applying, be prepared to provide:
• Proof of identity (e.g., driver's license, passport).
• Proof of income (pay stubs, tax returns, W-2s).
• Social Security numbers for all applicants Immigration documents (if applicable).
• Proof of residence and utility bills.
• Information about existing health insurance coverage.
What is presumptive eligibility?
Some individuals, especially pregnant women, children, and certain adults may receive temporary Medicaid coverage before the full application is processed. This is called presumptive eligibility, and it's intended to provide immediate access to care.
Do benefits vary by state?
Yes. Federal law mandates certain services, but states can choose to offer additional benefits. For example, dental coverage may be comprehensive in one state and minimal in another.
We're here to support your Medicare journey
Chat with us
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Call us
Call 1-818-481-9342 / TTY 711
Hours: 8 a.m. to 8 p.m., 7 days a week.
Important Information
Looking for the official Medicaid website? Visit Medicaid.gov for full federal program information.
Low-Cost Health Coverage Medicaid Support
Coverage is coordinated through state Medicaid programs. Eligibility for Medicaid is based on income, disability status, and other state-specific requirements. Coverage options and benefits can differ depending on your state. Enrollment in Medicaid is determined and approved by your state’s Medicaid office.
Low-Cost Health Coverage is not a Medicaid plan but offers supplemental support through its partnership with Impact Health Sharing. Services provided may enhance or complement Medicaid coverage but do not replace state Medicaid benefits.
Premium Information
Many Medicaid programs are available at no cost. Some individuals may have minimal copays or premiums based on their income level and state of residence.
Benefit Availability
All benefits mentioned are subject to approval and availability based on your location and plan type. Some services, such as dental or vision, may not be fully covered by Medicaid in your state.
Nurse Hotline Disclaimer
The Nurse Hotline is for informational purposes only. This service is not meant to replace emergency care or medical advice from your doctor. Need urgent care? Contact 911 or go to the nearest emergency facility now. Information shared with the Nurse Hotline is kept confidential and complies with HIPAA guidelines. This is not an insurance service.
Pharmacy and Formulary Disclaimer
Coverage for medications and pharmacy choices can change based on your state and plan details. You may be required to use a preferred network pharmacy. Medication pricing and availability are subject to change. You’ll be notified when necessary.
Provider Information
The provider information offered through Low-Cost Health Coverage is meant to support informed decision-making. Participation in provider networks may vary by state, and not all providers may be accepting new patients. We recommend confirming a provider's status and availability before scheduling an appointment.
Emergency or Disaster Declarations
If you are affected by a declared emergency or public health crisis, you may be eligible for expanded support, including access to out-of-network providers at in-network costs, waived referral requirements, and extended time for claims and authorizations. These accommodations apply for 30 days following the official declaration, unless otherwise stated.
ADA Compliance
Low-Cost Health Coverage and Impact Health Sharing are committed to providing accessible services to individuals with disabilities in accordance with the Americans with Disabilities Act (ADA) and Section 504 of the Rehabilitation Act.
Requesting Printed Materials
Printed copies of provider directories and benefit summaries are available at no cost. Please call our member support team to request mailed copies.
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