How to Apply for Medicaid in Missouri – The Latest 2025 Guide
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If you’re looking into how to apply for Medicaid in Missouri, it’s important to understand that being approved not only gives you access to healthcare services but can also unlock additional support programs like Lifeline. The guide below will help you clearly understand the eligibility requirements, the application process for Medicaid, and the benefits you may be entitled to receive.
1. Eligible for Missouri Medicaid
Understanding whether you are eligible for Medicaid in Missouri is a crucial first step before beginning the application process. Missouri’s Medicaid program has a clear eligibility system based on age, personal circumstances, household income, and medical condition.
Who qualifies for Medicaid in Missouri?
Eligibility based on age
Missouri determines Medicaid eligibility based on the following groups:
- Children from birth to 18 years old
- Adults aged 19 to 64
- Seniors aged 65 and older
- Pregnant or recently postpartum women
- Individuals who are blind or have physical/mental disabilities
- Parents or guardians caring for children under 19
- Low-income individuals, including those who are unemployed or self-employed
Income-based eligibility
One of the most important criteria for eligibility is your household income. Missouri uses a percentage of the Federal Poverty Level (FPL) to determine income limits for different groups:
| Group | Income limit (% of FPL) | Additional Notes |
| Adults (ages 19–64) | ≤ 138% FPL | Applies under Medicaid Expansion |
| Infants (under 1 year old) | ≤ 201% FPL | |
| Children (ages 1–18) | ≤ 155% FPL | |
| Pregnant women | ≤ 201% FPL | Covers both mother and unborn child |
| Seniors/Disabled individuals | ~85% FPL + asset limits | Asset ownership restrictions also apply |
(*) Example: If you’re a single adult earning less than $21,000/year, or a household of 3 with income below $41,000/year, you may qualify.
Residency & immigration status
- Applicants must be legal residents of Missouri.
- If you are not a U.S. citizen, you must provide valid immigration documentation such as a Green Card, refugee protection visa, or another long-term lawful visa.
Special medical conditions
For individuals who are elderly, disabled, or blind, meeting the income limit is not enough, you must also prove your medical condition:
- If you are already receiving SSI (Supplemental Security Income) or SSDI (Social Security Disability Insurance), you may be approved more quickly.
- If not, you will need to submit additional medical documents to be evaluated by Missouri’s Medical Review Team.
What documents are required to apply?
Once you’ve confirmed your eligibility, the next step is to gather all the required documents to ensure a smooth application process. Below is a comprehensive list of necessary documents:
Personal identification information
- Social Security Number (SSN)
- Acceptable proof of identity includes documents like a valid state-issued ID, passport, or driver’s license.
- Birth certificate (if applying for a minor)
Proof of residency and immigration status
- Utility bills, lease agreements, or a signed letter verifying your current Missouri residence
- Green Card or valid immigration status documentation (for non-citizens)
Proof of income
- Submit your most recent income proof, typically pay stubs dated within the past 30 days.
- Letter from your employer verifying your income
- Tax documents (W-2 or 1099) if you’re self-employed
- SSI/SSDI award letters or proof of unemployment benefits, if applicable
Medical documents (if applying under special conditions)
- Pregnancy verification (doctor’s note or prenatal records)
- Medical records or disability documentation, including official diagnoses or physician reports
Proof of current health insurance (if applicable)
Details of any existing insurance coverage, including the insurance provider name and policy number
2. How to Apply for Medicaid in Missouri?
Once you’ve confirmed that you qualify, the next important step is understanding how to submit your application to join Missouri’s Medicaid program. Depending on your situation, you can choose the most suitable method: applying online, for pregnant individuals, or through Medicaid Expansion. Below is a detailed guide for each case.
How to apply for Medicaid online in Missouri?
For speed and ease, most applicants prefer to apply through the online system. If this is your first time applying for Medicaid, just follow the steps below:
Step 1: Visit the official application portal
Go to the Missouri Website, click on “Apply for Healthcare”, then select “Apply Online” to create an account and begin your application.
Step 2: Complete the application
You’ll be asked to provide personal information, address, residency status, income details, and specify your eligibility category (e.g., adult, child, pregnant woman, etc.).
Step 3: Upload additional documents
If you’re elderly or have a disability, the system will prompt you to submit the IM-1ABDS form and the Medical Review Team (MRT) packet to verify your medical condition.
Step 4: Submit your application and track your status
Supporting documents can be uploaded directly using the FSD Upload Portal or alternatively mailed in. Your application is generally reviewed within 45 days, though it may take up to 90 days if a medical assessment is necessary.
Step 5: Receive your decision and Medicaid card
If your application is approved, you’ll receive an approval letter along with your Medicaid ID card and instructions on how to use your Medicaid benefits.
How to apply for pregnancy Medicaid in Missouri?
For individuals who are pregnant, Missouri offers a dedicated Medicaid program with enhanced health benefits designed to support you from pregnancy through postpartum recovery.
Instead of a lengthy or complicated process, you can apply easily by following these steps:
- Declare your pregnancy directly in the online application (look for the “Pregnancy” section).
- You don’t need a doctor’s note at the time of application. Simply self-declaring your pregnancy is enough to trigger expedited processing.
- Besides the online method, you can also apply by calling 855-373-9994 or visiting your local Family Support Division (FSD) office for in-person help.
The benefits that pregnant women may receive:
- Routine prenatal checkups, ultrasounds, and lab tests
- Full coverage of childbirth costs at qualified medical facilities
- Postpartum Medicaid benefits may continue for as long as 12 months after delivery.
- Access to postpartum services such as mental health support, breast pumps, nutritional counseling, and more
If you missed noting your pregnancy during the application, you can easily return to your online profile or contact the support hotline to update your status. Your benefits will begin once your pregnancy status is confirmed.
How to apply for Medicaid expansion in Missouri?
Not everyone has children or a medical condition. That’s why, since 2021, Missouri has adopted Medicaid Expansion to give more low-income adults access to healthcare, even if they don’t qualify under traditional categories.
This extension of Medicaid is designed specifically for individuals who are:
- Between 19–64 years old
- Not pregnant
- Without dependent children
- Earning less than 138% of the Federal Poverty Level (around $21,000/year for a single adult)
Here is how you can apply for Medicaid Expansion in Missouri.
- Submit the Medicaid application through the standard online portal
- The system will automatically evaluate whether you qualify under the Medicaid Expansion group
- No medical documents or dependency status are required
If approved, you will receive:
- A Medicaid ID card
- Access to essential healthcare services, including doctor visits, prescriptions, preventive care, and mental health support
3. Free Phone with Medicaid: Apply for Lifeline in Missouri
Once you’ve completed your Medicaid enrollment in Missouri, there’s another valuable benefit you may not be aware of: the opportunity to receive a free phone and unlimited talk, text, and data service through the Lifeline program. This is one of the most practical federal support programs for low-income individuals, especially in today’s world where having access to a phone and the internet is essential for daily life.
So, what exactly is Lifeline, how do you apply, and which provider is the best in Missouri? Here’s everything you need to know.
What is the Lifeline program?
Lifeline is a federal telecommunications assistance program administered by the Federal Communications Commission (FCC). Its mission is to ensure that everyone, regardless of their economic situation, has access to basic communication services like mobile phones and the internet.
Those enrolled in the Lifeline program can receive:
- Up to $9.25/month discount on phone or internet services in non-Tribal areas
- Up to $34.25/month discount for those living on Tribal lands
- A free smartphone along with unlimited talk, text, and data from authorized Lifeline providers
Most importantly, if you’ve been approved for Medicaid in Missouri, you automatically qualify for the Lifeline program. There’s no need for additional income verification or paperwork beyond proof of your Medicaid status.
How to apply for Lifeline in Missouri?
If you’re already enrolled in Medicaid, applying for Lifeline is simple and straightforward. Just follow the steps below:
Step 1: Check your eligibility
You are eligible for Lifeline if:
- You are currently approved for Medicaid (or other federal programs like SNAP, SSI, etc.)
- You can provide documentation such as a MO HealthNet card, approval letter, or Medicaid online account verification
Step 2: Prepare required documents
Make sure to have the following ready:
- A valid photo ID (driver’s license, passport, state-issued ID, etc.)
- Proof of eligibility (such as your MO HealthNet card or Medicaid approval letter)
- A document showing your current address (utility bill, lease, etc.)
Step 3: Choose a Lifeline provider in Missouri
Several providers offer Lifeline services in Missouri. One of the most trusted and highly rated is AirTalk Wireless, known for their generous plans and premium devices.
Step 4: Submit your application
You can:
- Apply online through the provider’s official website
- Fill in your personal information and upload proof of Medicaid eligibility
- Or call the provider’s customer support line for step-by-step assistance
Step 5: Receive your free phone & service
Once approved, you will:
- Receive a free smartphone shipped to your address
- Gain access to a monthly plan with unlimited calls, texts, and data
- Be guided through the activation process so you can start using your phone right away
Top providers offering free phones in Missouri?
AirTalk Wireless is one of the leading Lifeline providers in Missouri. By choosing AirTalk Wireless, you can enjoy the following outstanding benefits:
- A free smartphone from premium brands like Samsung, iPhone, Google, and more
- A monthly plan with: Unlimited nationwide talk & text, high-speed data on 4G/5G networks
- Free international calling to over 200 countries and territories
- Coverage on reliable, high-speed networks from major U.S. carriers
- No monthly fees, no contracts, and no credit checks
- Friendly and responsive customer support
>>> Sign up for Lifeline and claim your free device from AirTalk Wireless here: https://airtalkwireless.com
Final Words
Understanding how to apply for Medicaid in Missouri is the first step toward gaining access to essential healthcare and valuable support programs. Don’t miss the opportunity to receive both medical coverage and a free phone with unlimited service. Start your application today and take full advantage of the benefits you’re entitled to as a Missouri resident.
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