Some families have children with disabilities but earn too much to qualify for regular Medicaid. The Medicaid Buy-In for Children program gives those families a way to get full Medicaid benefits for their child by paying an affordable monthly premium.
Who qualifies?
Your child may qualify if:
- Age: They are 18 years old or younger.
- Disability: They have a disability that meets Social Security Administration (SSA) standards.
- Income: Your household income is above the limit for regular Medicaid but within MBIC’s income limits.
- Residency: The child is a legal Texas resident.
- Insurance Status: They may have private insurance or be uninsured — MBIC works in either case.
What’s covered?
MBIC provides full Medicaid benefits, including:
- Doctor visits
- Specialist care (neurologists, developmental pediatricians, etc.)
- Physical, occupational, and speech therapy
- Home health care
- Prescription medicines
- Medical equipment & supplies (wheelchairs, communication devices)
- Mental & behavioral health services
- Hospital stays & surgeries
How does the cost work?
- The monthly premium is based on your family’s income.
- Many families pay between $0–$50 per month.
- In many cases, the premium is much lower than a private insurance deductible or co-pay.
How to apply
- Online: Apply at YourTexasBenefits.com.
- Paper Application: Request one from Texas Health and Human Services.
- You’ll need:
- Proof of income (pay stubs, tax return)
- Your child’s medical records & disability verification
- Proof of residency (utility bill, lease)
- MBIC allows families to have both private insurance and Medicaid (dual coverage), lowering out-of-pocket costs.
- Medicaid may cover therapies and equipment that private insurance won’t.
- Helps reduce the financial stress of medical care for children with significant needs.
If your family earns too much for regular Medicaid, that doesn’t mean help isn’t available. MBIC is a flexible option that gives you the full benefits of Medicaid for your child — at a cost you can afford — so they can get the care they deserve.
Medicaid Buy-In for Children (MBIC) is not the same as CHIP (Children’s Health Insurance Program), although both are run by Texas Health and Human Services and both help cover kids’ medical costs.
Here’s the difference in simple terms:
| Program | Who it’s for | Income Limits | Cost | Coverage | Special Notes |
|---|---|---|---|---|---|
| Medicaid | Low-income families | Lowest income limits | Free | Full Medicaid | For kids with and without disabilities |
| CHIP | Families who earn too much for Medicaid but still have moderate income | Higher than Medicaid’s limits | Low monthly cost ($0–$50/year) | Covers most children’s health needs | Does not require disability |
| MBIC (Medicaid Buy-In for Children) | Families with a child who has a disability and earn too much for Medicaid | Higher than regular Medicaid | Affordable monthly premium (based on income) | Full Medicaid benefits, including therapies and equipment | Specifically for children with disabilities |
Key takeaway:
- CHIP is income-based only — no disability requirement.
- MBIC is disability + income-based — for families over Medicaid income limits but with a child who meets disability criteria.
Urdu
Medicaid Buy-In for Children (MBIC) – Aik Ahm Resource
Agar aap ka bacha special healthcare needs rakhta hai aur aap uninsured ya underinsured hain, to Texas ka Medicaid Buy-In for Children (MBIC) program aap ke liye ek bohot acha option ho sakta hai. Ye program un families ke liye hai jo Medicaid ke income limits se zara upar hoti hain, lekin phir bhi healthcare afford nahi kar paati.
Kya Hai MBIC?
MBIC ek Medicaid program hai jo un bachon ko medical coverage deta hai jinhon ko disability ya long-term medical needs hoti hain. Aap ek choti si monthly premium (jo aapki income ke hisaab se hoti hai) pay karte hain, aur aap ka bacha Medicaid ki full benefits le sakta hai.
Kaun Qualify Karta Hai?
- Bacha 19 saal se chota ho.
- Disability Social Security Administration ke standards ke mutabiq ho.
- Texas ka resident ho.
- Family ki income Medicaid limit se thodi zyada ho, lekin itni nahi ke private insurance afford ho sake.
Benefits Kya Hain?
- Doctor visits
- Hospital stays
- Therapies (Speech, Occupational, Physical)
- Medical equipment aur supplies
- Prescription medicines
Apply Kaise Karein?
- Texas Health and Human Services ki website par MBIC application form download karein.
- Required documents attach karein (income proof, medical reports, disability verification).
- Application submit karein online ya apne local HHSC office me.
Medicaid Buy-In for Children (MBIC) aur CHIP ka farq
MBIC aur CHIP dono Texas Health and Human Services ke programs hain jo bachon ke medical kharch cover karte hain, lekin dono alag hain.
Asaan lafzon me farq:
| Program | Kis ke liye | Income Limits | Cost | Coverage | Special Notes |
|---|---|---|---|---|---|
| Medicaid | Low-income families ke liye | Sab se low income limit | Free | Full Medicaid | Disabilities ke saath ya bina disabilities ke bachon ke liye |
| CHIP | Families jo Medicaid ke liye zyada kamate hain lekin moderate income hai | Medicaid se zyada limit | Low monthly cost ($0–$50/year) | Zyadatar bachon ki health needs cover karta hai | Disability requirement nahi hoti |
| MBIC (Medicaid Buy-In for Children) | Families jinke paas ek bacha hai jisko disability hai aur jo Medicaid income limit se zyada kamate hain | Medicaid se zyada limit | Affordable monthly premium (income ke hisaab se) | Full Medicaid benefits, therapies aur equipment | Sirf un bachon ke liye jo disability criteria meet karte hain |
Key baat:
- CHIP sirf income-based hai — disability ki requirement nahi hai.
- MBIC disability + income-based hai — un families ke liye jo Medicaid income limit cross karti hain lekin bacha disability criteria meet karta hai.
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