Limited Medicaid & Pregnancy Plans
You may still qualify for a Marketplace plan—even if you're “on Medicaid.”
The Problem:
You’ve been told you have Medicaid—but you're still getting medical bills, can’t see the doctors you need, or don’t have full health coverage.
That’s because not all Medicaid is created equal.
Many people are enrolled in limited benefit Medicaid programs that do not count as full health insurance—also known as Minimum Essential Coverage (MEC).
The Good News?
You may still qualify for a subsidized Marketplace plan—with better coverage and possibly $0 monthly premium.
What Is Limited Benefit Medicaid?
Some Medicaid programs only cover specific needs. These include:
Pregnancy Medicaid Only covers services related to pregnancy, delivery, and post-partum—not full medical care.
Emergency Medicaid Often provided to non-citizens and only covers true medical emergencies.
Family Planning-Only Medicaid Covers birth control and reproductive health—not regular doctor visits or prescriptions.
These programs do not count as full health insurance under the Affordable Care Act (ACA).
Why This Matters:
If you only have one of these limited types of Medicaid:
You may still be eligible for a Marketplace plan
You may qualify for a Special Enrollment Period (SEP)
You may be able to get coverage that includes primary care, specialists, prescriptions, mental health, and more
Even if you were denied full Medicaid, you may still be eligible for subsidized private insurance.
What About Pregnancy?
If you’re currently pregnant and on Medicaid, you still deserve full coverage—not just maternity-related services.
After delivery, Pregnancy Medicaid typically ends 60 days post-partum, and many women are left uninsured. We help:
Pregnant women find Marketplace plans that work alongside or instead of limited Medicaid
New moms avoid gaps in coverage after Medicaid ends
Families understand how to insure both mom and baby
What to Do Next:
Have both Medicare & Medicaid?
You may qualify for extra help, $0 premium plans, or enhanced benefits.
Not sure if your Medicaid counts as Minimum Essential Coverage (MEC)?
You might still be eligible for full Marketplace coverage with subsidies
.
Confused about your Medicaid type?
Our team will review your documents, explain your options, and help you avoid delays.
Don’t guess. Let’s get it right.
Not all Medicaid means full coverage. If you're unsure about your plan—or you're being asked to pay out of pocket when you thought you were covered—we're here to help.
🗓 Schedule a free consultation
📲 Call or text us today
💬 We’ll walk you through your options—step by step
Frequently Asked Questions
I’m on Pregnancy Medicaid. Do I still need insurance?
Maybe. Pregnancy Medicaid only covers maternity-related services—it does not count as full health coverage. You may still qualify for a subsidized Marketplace plan.
What if I was denied full Medicaid?
If you were denied Medicaid, that may trigger a Special Enrollment Period (SEP), giving you access to Marketplace plans with subsidies.
Can I keep Medicaid and still get a Marketplace plan?
No, not both at the same time. But if your Medicaid is limited or doesn’t count as Minimum Essential Coverage, you may be eligible for a Marketplace plan instead.
Do you work for Medicaid or DCF?
No. We are not affiliated with DCF or Medicaid. We are a private agency and cannot help with Medicaid applications or issues. Please contact DCF directly for questions about Medicaid.
Disclaimer: Mere Benefits is a private insurance agency and is not affiliated with or endorsed by Florida KidCare, Medicaid, the Department of Children and Families (DCF), or any government agency. We do not help clients apply for government health insurance programs, but we provide education to help you understand your options.
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