Communicating to Parents About the Medicaid Buy-In Program

Guide: Why Commercial-Insured Clients Should Consider Medicaid Buy-In

1. Ensure consistent coverage for your clients—and steady revenue for your practice

Clients with commercial coverage might face uncertainty from network changes, rate adjustments, or high out‑of‑pocket costs. The Medicaid Buy‑In program offers a more stable, predictable funding path—helping them maintain access to your services and ensuring your practice isn’t exposed to gaps in payment. alpacahealth.io+3alpacahealth.io+3assets-us-01.kc-usercontent.com+3

2. Bridge the “benefits cliff”—so families don’t lose care when they earn more

Many clients fear that earning more income means losing essential health coverage. The Buy‑In program for working adults with disabilities lets clients keep their coverage by paying a sliding‑scale premium based on income—so they can pursue work without sacrificing care. alpacahealth.io+1

3. Access to nearly the same benefits as traditional Medicaid—with income-based premiums

The coverage is nearly identical to full Medicaid—including therapy services, equipment, and support—but structured for working individuals. Income-based premiums range from $0 to $200/month depending on salary, making it affordable. ASPE+6alpacahealth.io+6Developmental Pathways+6

4. Seamless coordination with Home and Community-Based Services (HCBS) waivers

Clients enrolled in HCBS waivers—such as for developmental disabilities or mental health—are often automatically enrolled in the Buy‑In. This streamlines coverage and removes asset limits and restrictive income caps that typically apply to long-term care Medicaid. Developmental Pathways

5. Provides peace of mind and administrative simplicity

Enrollment and maintenance are straightforward—submit online, by phone, mail, or in person, and report life changes or renew annually to stay covered. Your practice can help families handle this more efficiently with fewer administrative headaches. alpacahealth.io

Sample Email Template for Practice Owners

Subject: Opportunity: More Affordable, Stable Coverage Options for Your Family

Dear [Family Name],

I hope you and your loved ones are doing well!

I wanted to share an option that many families don’t know about—but which could be a game-changer for health care access and your financial planning.

What’s Worth Knowing:

Colorado’s Medicaid Buy‑In Program (for working adults with disabilities) lets families keep reliable, comprehensive coverage while earning more income—without risking eligibility. Unlike traditional Medicaid, this program requires a modest sliding‑scale monthly premium (from $0 to $200), depending on income, but it offers nearly the same benefit package and no asset limits.