Most people are familiar with Medicaid, a government administered program that provides health care benefits to qualifying individuals. In Texas, there are 5 different types of available Medicaid coverage. If you qualify for Medicaid, understanding the components of each can help you choose the right type of coverage for your situation.
There are 4 types of Medicaid programs in Texas under the label “STAR”: STAR, STAR+PLUS, STAR Kids and STAR Health. The STAR program is available to low-income Texas residents including children, families and pregnant women.
The basic STAR program covers an array of services, including regular doctor, dentist, vision and hearing appointments, prescription drugs, hospital care and any additional services such as tests or x-rays. Texas residents ages 65 and older or are disabled may qualify for the STAR+PLUS program, which offers long-term services in addition to Medicaid coverage. Long-term services can include in-home support, aiding other caregivers or helping with daily tasks.
STAR Kids is a Medicaid program available to children or adults ages 20 or younger with a disability. In addition to the age requirement, one of several other requirements must be met. Examples include the receipt of Supplemental Security Income or receiving services through various waiver programs.
STAR Health is available to children in an adoption assistance program, a conservatorship or an extended foster care placement. Former foster care children may qualify for STAR Health, as well. STAR Health includes many of the same benefits as the STAR program, as well as a nurse hotline for caseworkers and caregivers.
Choosing the right plan
If you do not qualify for any of the STAR programs, traditional Medicare is available. Your health is important and having access to proper medical care and treatment is essential. With all the Medicare options available and the requirements that go alone with each, choosing the right plan for you, or knowing when to change plans, could be challenging. Speaking with a professional to help you make the right choice could be beneficial.