This is really confusing. Where can I get help?

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Where can I sign up?

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Note: If you get Supplemental Security Income (SSI) or used to and now are on SSI 1619(b), you automatically get AHCCCS coverage. You do not need to apply for AHCCCS.

Which is better, Health-e-Arizona or Healthcare.gov?

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Health-e-Arizona is the easiest way to apply for AHCCCS if you think you might qualify. Health-e-Arizona also lets you apply for other benefits, like Asistencia Alimenticia (estampillas para comida), at the same time.

Healthcare.gov is a good option if you don’t think you will qualify for AHCCCS, because it will also check and see if you can get private coverage with subsidies.

The bottom line: Both systems will help you find the benefits you need. The big difference is that, depending on your situation, one might be a bit faster than the other.

I have been getting AHCCCS because I have a disability. Will my AHCCCS change?

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No. You can continue to get the AHCCCS benefits you currently get.

Does it matter how I qualify for AHCCCS?

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In most cases, no. The actual medical coverage you get from AHCCCS will be the same, no matter how you qualified. Generally speaking, the big difference is that people with disabilities get extra ways to qualify and if you have a disability and start working, you can earn more while still getting AHCCCS coverage.

DB101 has four articles about different ways to get AHCCCS:

If you are not sure how you qualified for AHCCCS, you can ask your local oficina de DES/Administración de Asistencia para Familias.

What is “countable income?” Is it just how much I make?

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No, it is not the same as how much you make. When public programs look at your income to figure out if you should qualify, they don’t always count all of your income. What they do count is called “countable income.” This benefits you, because it means that you might have more income than the income limits for a program, but still qualify.

With AHCCCS, when your income is reviewed for eligibility as a person with a disability, there are actually two different ways they count your income. If you qualify based on one of these calculations, you can be eligible for AHCCCS. See the full explanation here.

Note: Countable income is used to see if you qualify for AHCCCS because of your disability. If you do not have a disability, AHCCCS will count all of your income. See DB101’s AHCCCS article for more information.

To qualify for AHCCCS, is there a limit on the amount of recursos my family can have?

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No. AHCCCS has no límite de recursos.

Estoy recibiendo beneficios del programa Seguridad de Ingreso Suplementario (SSI). ¿Puedo ser elegible para solicitar la cobertura de AHCCCS?

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Sí. Si usted recibe beneficios de SSI, es automáticamente elegible para recibir la cobertura de AHCCCS y no tiene que presentar otra solicitud para obtenerla.

Si usted está recibiendo beneficios de SSI y de AHCCCS y su beneficio de SSI se reduce a cero debido a un aumento en sus ingresos ganados, la regla 1619(b) del Seguro Social le permitirá continuar su cobertura normal de AHCCCS siempre que usted gane menos de $36,315 en ingresos brutos anuales. Si tiene la cobertura de AHCCCS por medio de esta regla, tiene que asegurarse de que sus bienes tengan un valor por debajo del límite de bienes de SSI ($2,000 para una persona soltera, $3,000 para una familia de dos personas).

¿Qué pasará con mi cobertura de AHCCCS si vuelvo a trabajar?

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Usted tendrá varias opciones de cobertura médica a medida que sus ingresos aumenten.

Si usted ha estado recibiendo beneficios del programa Seguridad de Ingreso Suplementario (SSI) y de AHCCCS y es elegible conforme a la regla 1619(b) de SSI, puede ganar anualmente hasta $36,315 en ingresos brutos y continuar recibiendo la cobertura de AHCCCS.

Otra opción para personas con discapacidades que están trabajando es el programa Libertad para Trabajar de AHCCCS. Con este programa, usted puede ganar hasta $2,529 por mes y mantener su acceso a la cobertura de AHCCCS pagando una pequeña prima de seguro.

Si sus ingresos son de 400% del Índice Federal de Pobreza (FPG) o menos ($48,560 anualmente si es soltero), podría calificar para recibir ayuda del gobierno para el pago de un plan privado de Healthcare.gov.

A fin de cuentas: Debe haber una opción para la cobertura médica para todos y hay más opciones que nunca desde el 2014. Si tiene dudas sobre el impacto del trabajo sobre su cuidado de salud, hable con un/a consultor/a de incentivos de trabajo o vea sus opciones con la Calculadora de los beneficios y el trabajo de DB101.

¿Cuál es la diferencia entre el programa normal de AHCCCS y el programa Libertad para Trabajar de AHCCCS?

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AHCCCS: You only pay small copayments for medical services. You may qualify based on the rules described in DB101’s AHCCCS article or based on the rules described in the AHCCCS for People with Disabilities article. You automatically qualify for AHCCCS if you’re on Supplemental Security Income (SSI) or SSI’s 1619(b) provision.

Programa de Libertad para Trabajar de AHCCCS: You pay small copayments and may have a small monthly premium based on your income. If you are determined disabled by the Disability Determination Services Administration (DDSA) and are working, you may be able to make up to $5,143 per month and still qualify for Programa de Libertad para Trabajar de AHCCCS. To learn more about Programa de Libertad para Trabajar de AHCCCS, read DB101's Programa de Libertad para Trabajar de AHCCCS section.

If my job offers me health coverage, am I allowed to sign up for AHCCCS?

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Yes. If your family’s income is low enough for you to qualify for AHCCCS, you may do so even if your job offers insurance.

Note: If your job offers you affordable insurance, you and your family cannot get subsidies for purchasing an individual health plan through Healthcare.gov.

Estoy recibiendo beneficios de Medicare. ¿Por qué necesito los beneficios ofrecidos por AHCCCS?

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El Sistema de Control de Costos de Atención Médica de Arizona (AHCCCS) cubre muchos servicios que Medicare no cubre. Si usted tiene beneficios de AHCCCS y de Medicare, tendrá una mejor cobertura médica. En algunos casos, el sistema AHCCCS pagará sus primas de seguro de Medicare. Con la Parte D de Medicare, usted probablemente tendrá costos más bajos para sus medicamentos recetados si se inscribe en ambos programas.

I’m an immigrant. Can I get AHCCCS?

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  • Undocumented immigrants do not qualify for full AHCCCS coverage, but they may qualify for AHCCCS coverage for emergency services.
  • Most immigrants who have been legal residents for less than 5 years do not qualify for full AHCCCS coverage. However, if their income is below 400% of the Federal Poverty Guidelines (FPG), they can get private coverage subsidized by the government.
  • Immigrants who have been legal residents for 5 years or longer and some other noncitizens who meet specific noncitizen requirements qualify for all of the same programs that citizens can get.