Legislation passed during the COVID-19 Public Health Emergency (PHE), the Families First Coronavirus Response Act (FFCRA), requires states to maintain individuals’ Medicaid coverage until one month after the end of the PHE in order to receive enhanced federal funding.
This “continuous enrollment” policy has been a vital protection for many during the pandemic. It has generally prevented states from disenrolling people whose Medicaid eligibility may otherwise have been redetermined based on a change in circumstances or as part of a regular coverage renewal.
While the PHE is currently in place through mid-October, when it does eventually end and states resume regular operations, many older adults and people with disabilities who have remained on Medicaid due to the FFCRA may lose this eligibility. Transitioning to other coverage—in particular for those who may have missed key Medicare or Medigap enrollment windows—could mean gaps in coverage, increased costs, and fewer options.
A new Kaiser Family Foundation (KFF) survey of state Medicaid officials captures some of the anticipated post-PHE enrollment changes for people who are currently Medicaid-eligible through old age or disability (“non-MAGI”) pathways. Key findings include the following:
As the PHE ends, ensuring that eligible people remain enrolled or successfully transition to additional or other coverage, such as Medicare, will be critical. This continuity is especially important for older adults and people with disabilities, many of whom have chronic health needs and rely on long-term services and supports to meet daily needs. As KFF notes, “As of 2019, non-MAGI enrollment accounted for a minority (21%) of total Medicaid enrollment, though covered services for these enrollees made up the majority (55%) of Medicaid spending, due to their often intensive and chronic health and long-term care needs.”
Recognizing the challenges ahead, and the need for significant planning, the Centers for Medicare and Medicaid Services (CMS) released a series of guidance for states. The agency emphasizes the scope of the upcoming shift, noting, “The expiration of the continuous coverage requirement…presents the single largest health coverage transition event since the first open enrollment period of the Affordable Care Act.”
Medicare Rights supports and applauds the steps CMS has taken to address the PHE expiration. We continue to urge the agency to prioritize actions to protect those who have become eligible for Medicare during the PHE. This includes providing direction and technical assistance to state Medicaid agencies and undertaking educational campaigns. If needed, avenues for relief should be established for people who miss their Medicare and Medigap enrollment periods, are improperly disenrolled from Medicaid, or are not enrolled in or assessed for a Medicare Savings Program to which they are entitled.
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