What is Spend Down?

Spend Down allows some people who have income above the allowed income level to qualify for MO HealthNet (Medicaid). The Spend Down amount is the amount of income that is above the maximum allowed. You can meet your Spend Down amount by:

  1. Making a monthly payment to the MO HealthNet Division (MHD);
  2. Applying medical expenses you have incurred; or,
  3. Using a combination of payment and incurred medical expenses.

Spend Down Program

  1. What is Spend Down?
  2. How much is my Spend Down amount?
  3. How do I pay my Spend Down?
  4. How do I meet Spend Down using medical expenses?
  5. What types of medical expenses qualify to be counted toward Spend Down?
  6. What do I do if I changed bank accounts and my Spend Down is automatically withdrawn each month?
  7. I can’t afford to pay my Spend Down, but I thought it could be “met” with medical bills. Why do I keep getting invoices with due dates for payment?
  8. Do I have to pay the medical bills to use them to meet my Spend Down?
  9. Whose medical bills can I use?
  10. How old can medical bills be if I want to use them to help meet spend down this month?
  11. Can I use bills, expenses or receipts more than once to meet spend down?
  12. What if my bills are more than my monthly Spend Down?
  13. What if my bills are less than my monthly Spend Down?
  14. Are there medical bills that MO HealthNet (Medicaid) won’t pay if I am in the Spend Down program?
  15. I submitted my medical bills to meet my Spend Down but my MO HealthNet (Medicaid) is still not active. Is there a problem?
  16. What is acceptable verification of medical expenses?
  17. Do I have to pay or reach my Spend Down every month?
  18. How can I verify I am covered after submitting my payment?
  19. Why did my Spend Down amount go up?
  20. What is the income limit for the Adult MO HealthNet (Medicaid) program?
  21. What should I do if my doctor will not take the MO HealthNet (Medicaid) card?
  22. What if I disagree with FSD about something with my Spend Down?
  23. I was approved for MO HealthNet (Medicaid) but my provider says I am “inactive”. What should I do?

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