Enrolled in a Medicaid, CHIP, or Expansion plan and want to prepare for renewal? Keep your address updated with your state agency and watch for your renewal packet by mail.
If you lose Medicaid coverage, you are eligible for a special enrollment period. You typically have 60 days to find a new health insurance plan from the time you lose Medicaid.1
Earn too much to qualify for Medicaid? You may qualify for an Individual & Family Health Insurance Plan as low as $0 a month.*
Medicaid Renewal & Redetermination: What You Need To Know
During the Public Health Emergency (PHE), nearly all Medicaid, Children Health Insurance Plans (CHIP), and Expansion members kept their coverage, regardless of changes in eligibility or status. Legislation signed on December 29, 2022 allowed states to begin removing ineligible members from their Medicaid programs starting April 1, 2023.
You May Lose Coverage If You No Longer Qualify For Medicaid
Medicaid renewals, also known as Medicaid redeterminations, have started again and millions of individuals will need to take action to keep their current Medicaid coverage, or, if they no longer qualify, find a new health plan that’s right for them. We can help you with your options, should you lose coverage.
Three Steps to Renew your Medicaid Coverage
We're here to help you prepare for your Medicaid renewal. Watch this video to get answers to your renewal questions, and learn how simple it can be to stay covered.
Frequently Asked Questions About Medicaid Renewal
What Is Medicaid Renewal?
Medicaid renewal is a yearly review completed by your state to check if you’re still eligible for Medicaid coverage. In most states, you have to renew your coverage every year to keep it. Medicaid renewals have restarted in all states following the end of the Public Health Emergency. Missing the deadline, not completing paperwork, or forgetting a step in the renewal process all put you at risk of losing Medicaid coverage.
If you’ve had a change in income, age, or other qualifying factors since you enrolled in Medicaid, it’s possible you will no longer qualify. The only way to know for sure is to renew on time.
When it’s time for you to renew, you’ll get a notice telling you what to do. Be sure to follow the steps to renew before your deadline. If you have questions, call the Member Services number on your insurance ID card.
What Is The Public Health Emergency?
As a result of the COVID-19 pandemic, a Public Health Emergency was put into place by the federal government on January 27, 2020. Prior federal law addressing the COVID-19 pandemic paused yearly state Medicaid renewals.
What Can I Do Now To Prepare For Medicaid Renewal?
Check if your state agency has your current mailing address and contact information. If you’ve moved or your contact information has changed, contact your state now. Important updates about your coverage come through the mail, including a notice when it’s time for you to renew. If your contact information isn’t up to date with your state agency, you may miss these notices.
Understand your health coverage options. If you’ve had major changes in your income, or household, it’s a good idea to explore other health plans now in case you no longer qualify for Medicaid. You may even be eligible for a low or no-cost Individual and Family Marketplace plan.*
Check what health coverage you may qualify for, including health insurance and other benefits like food and transportation.
If I Am Working, Can I Get Health Coverage Through My Job?
If you lose Medicaid, but are working, you may have access to health coverage through your job. You typically have 60 days from the date you lose Medicaid to enroll in coverage through your job. Ask your employer about your options.
However, if you or your family members are not covered under a health plan offered through your job, Individual and Family Marketplace insurance plans may be an option. With the new IRS rule to make health coverage more affordable, you and your family members may now be eligible to receive financial help on a Marketplace insurance plan.
Can I Help Another Person With Their Medicaid Or CHIP Renewal?
You may have the opportunity to help someone else with their Medicaid or CHIP renewal, including your child, a family member, or a friend. Keep in mind, if you help someone else, you may be asked to show that you are a legal guardian or authorized representative.
Below are ways you can help someone navigate Medicaid renewal:
- Check that the person’s state agency has their current mailing address and contact information. If they’ve moved or their contact information has changed, they should contact the state immediately to update their records.
- Watch for mail about Medicaid renewal from the state. If a Medicaid request or renewal packet arrives from the state health insurance agency, be sure to respond by the due date.
- Help them with other health coverage options if they are no longer eligible for Medicaid or CHIP. If they do not have access to health coverage through their job or a family member’s job, Individual and Family Marketplace insurance plans may be an option. Also, in some states, children who lose their Medicaid benefits may be eligible or CHIP or other programs.
How Can I Find Affordable Health Coverage If I No Longer Qualify For Medicaid?
We can help connect you to a plan that’s right for you. If you can’t get health insurance through your job and you’re under age 65, an Individual and Family plan through the Health Insurance Marketplace may be right for you.
How Much Does Marketplace Health Insurance Cost?
Individual and Family Marketplace health insurance plans are available to anyone who does not have health insurance, including those no longer eligible for Medicaid. Marketplace plans are available in Bronze, Silver, and Gold metal levels and offer benefits like doctor visits, prescriptions, hospital care, and mental health care. You also may be eligible for financial help (a subsidy) that could lower your premium (monthly payment) - or even reduce it to $0 a month.*
Open Enrollment to enroll in an Individual and Family Marketplace insurance plan runs every year from November 1 through January 15, in most states. If you no longer qualify for Medicaid coverage, you are eligible for a special enrollment period. You typically have 60 days from the date you lose Medicaid to apply for a Marketplace insurance plan or to enroll in coverage through your job.1
Yes. While you may earn too much to remain eligible for Medicaid coverage, you may qualify for an Individual and Family Marketplace insurance plan that has a monthly premium payment as low as $0 (after your subsidy is applied).*
Along with a subsidy that can lower your monthly premium, cost-sharing reductions (CSRs) are extra savings that can reduce your out-of-pocket costs when you get medical care. If your income is within the range that qualifies you for a CSR, you must enroll in a plan in the Silver tier to receive the extra savings.
You can enroll online, or we can help guide you through the application process to find an Individual and Family Marketplace insurance plan that fits your needs and budget.
Continuing Your Care With Anthem
We want to make sure you have a smooth transition from Medicaid to your new Anthem Individual and Family coverage plan. That's why our care team will be available to talk about any recent health issues or ongoing concerns. They will also work directly with your doctors to make sure you get the regular care and medicines you need.
If you need immediate access to medications that are not covered under your new plan, you will be granted a one-time 30-day courtesy prescription drug refill. After that, you will need to contact your doctor to submit a prior authorization request.
You Can Feel Confident You Have Health Insurance Options
You have other healthcare plan options if you lose Medicaid or CHIP. We can help you make the transition and find a plan that fits your needs and your budget.
Learn More About Medicaid Renewal And Unwinding
Does Medicaid Redetermination Affect You?
Read about Medicaid eligibility after the COVID-19 Public Health Emergency.
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Know More About Medicaid Unwinding
Be prepared for the Medicaid renewal process.
Understand Your Coverage Options
Medicaid Plans
If you need information about Medicaid, call the number on the back of your ID card.
Individual & Family Marketplace Insurance Plans
If you are under 65, find low or no-cost health plans for you and your family.
If you are an employer, a producer, or healthcare provider, click below for more information.
Plans Available Through Your Job
If you’re working, ask your employer about your health plan options. If you or your family are not covered under a health plan through work, explore Individual & Family plan options.
Additional Information
Stay informed by checking these useful resources for additional information on Medicaid renewals and more.
1 Guidance may be issued at a later date extending the special enrollment period in some circumstances.
* Based on federal and/or state exchange requirements and subject to change. Anthem Blue Cross and Blue Shield and HealthKeepers, Inc. are Qualified Health Plan issuers that in certain geographic areas offers some health plans with a $0 (or $1 in Maine and Connecticut) premium option (after subsidy applied) through the Health Insurance Marketplace or your State Exchange. Anthem and Anthem HealthKeepers health plans with a $0 (or $1) premium option are not available in all areas and eligibility for these plans is based on federal annual income guidelines. Call us for information because not everyone will qualify. For example, singles earning up to $21,870, and couples earning up to $29,580 may be eligible. Family income eligibility varies based on number of family members.
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