Medicaid Spend Down Definition

Medicaid spend down is a type of deductible. When you receive Medicaid coverage, your income and other assets will be evaluated to determine the amount of coverage you will be qualified for. In some cases, you will be assigned a spend down amount. This means simply that you will need to pay this amount of money out of pocket before you will have Medicaid coverage for your prescriptions and other medical care. This is not a yearly amount that must be met, but a monthly payment. Many people think in terms of the typical insurance coverage that carries a yearly family deductible or personal deductible that, once met, does not need to be reached again until the following year. However, with Medicaid, the spend down amount, or deductible amount, must be met every month before the coverage is available.

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