How to apply
Apply through HealthCare.gov or by calling 1-800-318-2596 (24 hours a day).
Who is eligible
The aged, blind, and disabled. Also, adults with incomes up to 138% of FPL; children with household incomes up to 300% of FPL are eligible CHIP; pregnant women with incomes up to 158% of FPL.
- healthinsurance.org contributor
- February 14, 2017
West Virginia’s leaders opted to expand Medicaid under the Affordable Care Act (ACA) starting on January 1, 2014. They are using federal funds to provide Medicaid for the newly-eligible population of low-income adults, most of whom have jobs but no option for employer-sponsored health insurance. Starting in 2017, the state began to pay 5 percent of the cost, and that will climb to 10 percent by 2020, assuming the ACA’s Medicaid expansion remains in place.
Under the new eligibility guidelines, West Virginia’s Medicaid enrollment grew by almost 62 percent from mid-2013 and October 2016. That includes people who were already eligible (but not yet enrolled) prior to 2014, but even if we only consider the Medicaid expansion population, enrollment had grown by 164,400 people as of the end of June 2015, and by 178,394 as of August 2016. That’s significantly more than the 93,000 people that West Virginia had projected to enroll by 2020 under the expanded eligibility guidelines, but enrollment appears to have stabilized, as the total number of people enrolled under expanded Medicaid declined slightly by January 2017, to 174,026.
But despite the unexpected surge in enrollment — combined with the fact that the state began paying a portion of the Medicaid expansion costs starting in 2017 — West Virginia does not appear to be heading for a Medicaid budget crisis. That’s because per-person costs have been coming in lower than expected, thanks in part to numerous reforms that the state has put in place.
Medicaid expansion helping to combat opioid crisis
The opioid crisis has hit West Virginia particularly hard, and the state has the nation’s highest drug overdose death rate. But 22,000 people covered under expanded Medicaid have received treatment for mental health and substance abuse disorders. Without Medicaid expansion, most of those people would have been uninsured and unable to access treatment.
New governor supports continued Medicaid expansion
West Virginia Governor Jim Justice, a Democrat, took office in January 2017. Justice supports the ACA, including Medicaid expansion.
According to Ballotpedia, the 2016 West Virginia’s gubernatorial race was one of the most closely-watched in the country, and the race was considered a toss-up as of September 2016.
Former Governor Earl Ray Tomblin was term-limited, and did not seek re-election. Justice was vying with Republican Bill Cole for the governor’s office, along with candidates from the Libertarian and Mountain Parties.
Although Medicaid expansion was a topic of contention in many of the races around the country in 2016, both Cole and Justice said that they would leave Medicaid expansion intact in West Virginia, and would work to find ways to pay the state’s portion of the costs that kick in starting in 2017.
Substantial impact on uninsured rate
West Virginia had the sixth highest drop in uninsured rate during the first half of 2014, due primarily to Medicaid expansion (as of July 2014, 132,556 people in WV had enrolled in Medicaid, while 25,856 had enrolled in subsidized private coverage through the exchange).
According to Gallup data, the state’s uninsured rate was 17.6 percent in 2013, and had fallen to 8.3 percent by the first half of 2015, and 7.7 percent by the end of 2015 (other studies have pegged the post-ACA uninsured rate even lower, as early as mid-2014). By the end of 2015, West Virginia had the fourth-highest percentage point drop in uninsured rate over the first two years of ACA implementation.
From 2013 to 2015, the number of West Virginia residents without health insurance declined from 255,000 to 108,000. According to U.S. Census data, roughly 6 percent of West Virginia residents are still uninsured.
Who is eligible?
- Adults with incomes up to 138 percent of poverty
- Children with household incomes up to 300 percent of poverty are eligible CHIP (Children’s Health Insurance Program)
- Pregnant women with incomes up to 158 percent of poverty.
This booklet from the West Virginia Bureau for Medical Services shows eligibility levels based on total income.
How do I apply?
You can apply for West Virginia Medicaid through the federally-run exchange by visiting HealthCare.gov or calling 1-800-318-2596 24 hours a day.
Or you can apply through the state at www.wvinroads.org and that site can also provide SNAP and cash assistance programs for eligible residents.
Medicaid enrollment is year-round – there is no specific time frame during which applications must be completed.
How many people have enrolled?
As of mid-July 2014, there were 132,556 new Medicaid enrollees who were all newly-eligible under the expanded guidelines. Although most of the newly-eligible population enrolled during the first year, the number of newly-eligible enrollees had grown to 164,400 by June 2015, and to 178,394 by August 2016 (every state has had additional enrollees who were already eligible but not previously enrolled – they are not included in these counts, even if they’re now enrolled in Medicaid).
In 2013, the Kaiser Family Foundation estimated that about 143,000 people in West Virginia would be newly-eligible for Medicaid as of 2014. Many states — even those that expanded Medicaid — still have a long way to go in enrolling their Medicaid-eligible population, but West Virginia has far exceeded expectations in this area.
Opponents of Medicaid expansion predicted that states with a surge in Medicaid enrollment would find that Medicaid patients were unable to get appointments for primary care, but West Virginia doctors report that has not been a problem. Instead, some of their challenges include a significant population of newly-insured people who are requesting pain medication at office visits, and patients who have previously been on free drug samples and need to be switched to another drug that’s covered by Medicaid.
There have been – and will continue to be – some growing pains, but it appears that the state’s providers are handling the influx of new patients well.
Uncompensated care costs decline sharply
According to data compiled by West Virginians for Affordable Health Care, hospitals in West Virginia saw a 40 percent decline in uncompensated care costs from 2013 to 2014, thanks in large part to Medicaid expansion that has resulted in far fewer uninsured residents in the state.
But although the hospitals acknowledge that their uncompensated care and charity care costs have declined significantly, some also note that Medicaid reimbursements are less than the cost of providing care, and that their losses on Medicaid volume are offsetting the improvements they’ve seen in uncompensated care.
The decision to expand Medicaid
West Virginia had initially considered setting up a state-run exchange, but later opted for a partnership exchange, citing cost as one of the reasons for avoiding a fully state-run exchange.
State leaders have said that given the choice between a state-run exchange and Medicaid expansion, the latter seemed like it would provide more bang for the buck (and judging by the state’s extremely successful Medicaid enrollment in 2014, it would appear they were correct).
In May 2013, Governor Earl Ray Tomblin announced that West Virginia would proceed with Medicaid expansion. Enrollment for newly-eligible residents began on October 1, 2013, with coverage effective January 1, 2014.