WebData-driven insights on Medicaid dental care programs: new research from HPI (October 2021) Making the case for dental coverage for adults in all state Medicaid programs (July 2021) Measuring what matters - a new tool to help assess geographic access to Medicaid dentists in every state (February 2017) FAQs about dental coverage, access and Its also worth noting that while voters in Utah, Idaho, and Nebraska all approved Medicaid expansion ballot initiatives in 2018, all three states subsequently sought federal approval for Medicaid work requirements (Utahs took effect in January 2020, but was suspended in April 2020 amid the COVID-19 pandemic), and have imposed various other restrictions and requirements, as opposed to simply expanding Medicaid as called for in their voter-approved ballot initiatives. You would need an income of at least " + "$" + ((income * 100) / percentage).toFixed(0) + " in order to qualify for premium tax credits. Although Missouri did eventually begin processing Medicaid expansion applications in October 2021 (three months after they were initially slated to begin, due to GOP lawmakers attempts to derail the program), enrollment has lagged well behind expectations. You can also apply online by . } else if (percentage > 133 && percentage <= 150) { States determine medical necessity. Almost all reputable orthodontists have already placed a list of dental insurances we accept like CHIP and medicaid. Roughly 275,000 Missourians are newly eligible this year for Medicaid, the federal-state public health insurance program for people with low incomes, and they can be covered for dental care, too. Children are eligible for Medicaid or CHIP with household incomes up to 300% of FPL, and pregnant women are eligible with household incomes up to 196% of FPL. 'KS': "kansas", endstream endobj startxref // year string(4) or integer The Medicaid insurance program definitely provides a chance for the children to have braces treatment under a medicaid funded insurance program. let base_url = window.location.origin; Dentist Accept Medicaid Joplin Mo. var read_more_medicaid_not_available = ''; The reason so few Missouri dentists accept Medicaid is simple, according to Vicki Wilbers, executive director of the Missouri Dental Association: The states program pays dentists extremely poorly compared with private insurance or what a dentist could charge a patient paying cash. 28 Aug 2012 Sharp Cuts in Dental Coverage for Adults on Medicaid regular dental care, finding dentists who accept Medicaid can be next to impossible. States must consult with recognized dental organizations involved in child health care to establish those intervals. If you do not meet the income guidelines below but your medical expenses leave you living at the numbers below, you may still qualify. First, you need to find out if your state has expanded Medicaid eligibility that covers adults for dental care. MedicaidTalk.Net is a one-stop resource for everything you want to know about MedicAid. event.preventDefault(); 58,000 people enrolled in Medicaid expansion as of early 2022, but GOP lawmakers continue to try to unravel Medicaid expansion during the 2022 legislative session. cta_button_txt = cta_button_marketplace; Medicaid and CHIP agencies now rely primarily on information available through data All income standards are expressed as a percentage of the federal poverty level (FPL). A lawsuit ensued, with plaintiffs who would be eligible for Medicaid expansion suing DSS. PublishedNovember 15, 2021 at 4:05 PM CST. A .gov website belongs to an official government organization in the United States. MAGI-based eligibility levels, expressed as a percentage of the FPL, for several key purposes of verifying eligibility for Medicaid and CHIP. Sheldon Weisgrau, Vice President of Health Policy at Missouri Foundation for Health, explained that the Houses version of the ballot measure would first state that Missouri Medicaid is only available to Missouri residents. 'MN': "minnesota", Heres how you know. 889-5757 Address: 1717 E Cherokee St Ste 104 City: Springfield State: MO Discover, MasterCard, Visa Products & Services: Accepts Medicaid and, Dentist Accept Medicaid Springfield Mo. Only 37% of adults in the state with incomes under $15,000 per year saw a dentist in 2018 compared with 76% of adults earning over $50,000, according to a state report. States have the option to cover pregnant women under CHIP. But as noted above, enrollment has been slower than expected, due to a substantial backlog of applications. WebMedicaid covers dental care for children and pregnant women. The table below presents the most recent, point-in-time count of total Medicaid and error: function (data){ Please contact Medicare.gov or 1800 MEDICARE to get information on all of your options. Mean number of missing Parents with dependent children are eligible with household incomes up to 18% of FPL. %%EOF A referral to a dentist is required for every child in accordance with each State's periodicity schedule and at other intervals as medically necessary. Adding to the strain, said Wilbers, dentists who do accept Medicaid often must deal with the state plus private insurers that administer Medicaid through a program known as managed care. cta_button_href = cta_button_redirect_url_150_SEP; 30 Sep 2008 I wanted to give you a new development, I just got off the phone with a dentist in the next county who accepts medicaid for adults! } coverage to low-income adults. Patients have to wade through an alphabet soup of brand names, managed care organizations , plan variations, and dental benefit managers . The list can be narrowed down based on their location and the services they can provide. Non-disabled adults without children were not eligible for Medicaid in Missouri regardless of how low their income was, and parents with dependent children were only eligible with incomes that didnt exceed 22% of the poverty level. 27: Nov 5, 2021: Missouri Department of Social Services is an equal opportunity employer/program. DSS argued that the ballot initiative itself was unconstitutional, since the state constitution clarifies that ballot measures cannot be used to appropriate state funds. We amplify the voices of people who are making health equity a reality in the Kansas City region. cta_button_href = cta_button_redirect_url_marketplace; For Missourians earning over $50,000, those rates are 34% and 8%, respectively. As of December 2019, has enrolled 985,201 individuals in Medicaid and CHIP a net increase of 57.29% since the first Marketplace Open Enrollment Period and related Medicaid program changes in October 2013. Joplin MO 6804. From 2007 to 2011, almost half of all states achieved at least a ten percentage point increase in the proportion of children enrolled in Medicaid and CHIP that received a preventive dental service during the reporting year. const cta_button_medicaid_eligible = "Begin enrollment in Medicaid"; This is already the case (and is the case in every state; each states Medicaid program is only available to its own residents, and generally cannot even be used outside the state). A referral to a dentist is required for every child in accordance with the periodicity schedule set by a state. And as a result of Medicaid expansion, its also available to adults under the age of 65 whose household income doesnt exceed 138% of the poverty level. 'UT': "utah", const cta_button_redirect_url_medicaid_eligible = document.location.origin + "/medicaid/" + states[state_abbr] + "/#apply_for_medicaid"; When completing the Missouri Medicaid application, you may need the following: Read Also: Does Medicaid Cover Hearing Aids In Ohio. But opposition to Medicaid expansion among Missouris legislative leadership remained strong. Many of them work at what are known as safety-net clinics, such as Access Family Care, Northwest Health Services and CareSTL Health. As Google's translation is an automated service it may display interpretations that are an approximation of the website's original content. I would try Dr. Ray Do any dentists in joplin missouri take medicaid? States that provide CHIP coverage to children through a Medicaid expansion program are required to provide the EPSDT benefit. Income eligibility levels are tied to the federal poverty level 'WI': "wisconsin", When the Supreme Court upheld the legality of subsidies in states like Missouri that use Healthcare.gov, Onder stated that the Courts ruling was essentially liberal justices taking the opportunity to rewrite the ACA in order to save it. In states that use dollar amounts based on household size, rather than percentages of the FPL, to determine eligibility for parents, we converted those amounts to a percentage of the FPL and selected the highest percentage to reflect the eligibility level for the group. This healthcare coverage is different than Medicare and it can help with benefits not normally covered through that program, like nursing home care and var percentage; But when state lawmakers passed the 2022 fiscal year budget, they refused to include funding for the states portion of the cost of Medicaid expansion. 21 Sep 2012 cost dental services for adults including dentists who take Medicaid. A federal government managed website by theCenters for Medicare & Medicaid Services.7500 Security Boulevard Baltimore, MD 21244, An official website of the United States government, Improving Care for Medicaid Beneficiaries with Complex Care Needs and High Costs, Promoting Community Integration Through Long-Term Services and Supports, Eligibility & Administration SPA Implementation Guides, Medicaid Data Collection Tool (MDCT) Portal, Using Section 1115 Demonstrations for Disaster Response, Home & Community-Based Services in Public Health Emergencies, Unwinding and Returning to Regular Operations after COVID-19, Medicaid and CHIP Eligibility & Enrollment Webinars, Affordable Care Act Program Integrity Provisions, Medicaid and CHIP Quality Resource Library, Lawfully Residing Immigrant Children & Pregnant Women, Home & Community Based Services Authorities, November 2022 Medicaid & CHIP Enrollment Data Highlights, Medicaid Enrollment Data Collected Through MBES, Performance Indicator Technical Assistance, 1115 Demonstration Monitoring & Evaluation, 1115 Substance Use Disorder Demonstrations, Coronavirus Disease 2019 (COVID-19): Section 1115 Demonstrations, Seniors & Medicare and Medicaid Enrollees, Medicaid Third Party Liability & Coordination of Benefits, Medicaid Eligibility Quality Control Program, State Budget & Expenditure Reporting for Medicaid and CHIP, CMS-64 FFCRA Increased FMAP Expenditure Data, Actuarial Report on the Financial Outlook for Medicaid, Section 223 Demonstration Program to Improve Community Mental Health Services, Medicaid Information Technology Architecture, Medicaid Enterprise Certification Toolkit, Medicaid Eligibility & Enrollment Toolkit, SUPPORT Act Innovative State Initiatives and Strategies, SUPPORT Act Provider Capacity Demonstration, State Planning Grants for Qualifying Community-Based Mobile Crisis Intervention Services, Early and Periodic Screening, Diagnostic, and Treatment, Vision and Hearing Screening Services for Children and Adolescents, Alternatives to Psychiatric Residential Treatment Facilities Demonstration, Testing Experience & Functional Tools demonstration, Medicaid MAGI & CHIP Application Processing Time. // householdMemberCount integer To manage the dental caseload until then, though, it had to temporarily stop seeing new patients. WebDental Benefits for Adults in Medicaid. cta_button_txt = cta_button_marketplace; results_section.css('border-bottom-right-radius', '7px'); 'MI': "michigan", About 62% of Missouri adults making under $15,000 per year have lost at least one tooth to decay or gum disease, and 42% of people 65 and older in that income range have lost all of them, according to the state report. and Results, Medicaid/CHIP 'TN': "tennessee", Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts. 254 0 obj <>stream Every states coverage is slightly different, so its best to contact the Medicaid office in your state or visit their website. cta_button_href = cta_button_redirect_url_medicaid_eligible; Reducing Early Childhood Tooth Decay: Approaches in Medicaid May 27, 2015, Performance Improvement Projects (PIP) for States and Health Plans - Implementation Considerations May 20, 2015, Performance Improvement Projects (PIP) for States and Health Plans - Planning Considerations May 6, 2015, Linking Children with Special Healthcare Needs to Dental Providers February 18, 2015, Advancing Program Integrity for Medicaid Dental Programs: Federal, State, and Stakeholder Efforts January 28, 2015, Improving Oral Health Through Access: Building a Partnership between Medicaid and Head Start September 16, 2014, State Medicaid and CHIP Program Support of Sustainable Oral Health Care Delivery Models in Schools and Community-Based Settings May 14, 2014, Keep Kids Smiling: Promoting Oral Health Through the Medicaid Benefit for Children & Adolescents -January 30, 2014, Dental Sealants: An Effective State Strategy to Prevent Dental Caries in Children -September 19, 2013, Engaging More General Dentists to Care for Young Children: Access to Baby and Child Dentistry (ABCD) in Washington and South Dakota- May 8, 2013, Quality Improvement Processes: An Introduction for Medicaid and CHIP Dental Programs- January 23, 2013, Successful Beneficiary Outreach Strategies- September 26, 2012, Developing State Oral Health Action Plan Using State Data- June 19, 2012, A federal government managed website by theCenters for Medicare & Medicaid Services.7500 Security Boulevard Baltimore, MD 21244, An official website of the United States government, Improving Care for Medicaid Beneficiaries with Complex Care Needs and High Costs, Promoting Community Integration Through Long-Term Services and Supports, Eligibility & Administration SPA Implementation Guides, Medicaid Data Collection Tool (MDCT) Portal, Using Section 1115 Demonstrations for Disaster Response, Home & Community-Based Services in Public Health Emergencies, Unwinding and Returning to Regular Operations after COVID-19, Medicaid and CHIP Eligibility & Enrollment Webinars, Affordable Care Act Program Integrity Provisions, Medicaid and CHIP Quality Resource Library, Lawfully Residing Immigrant Children & Pregnant Women, Home & Community Based Services Authorities, November 2022 Medicaid & CHIP Enrollment Data Highlights, Medicaid Enrollment Data Collected Through MBES, Performance Indicator Technical Assistance, 1115 Demonstration Monitoring & Evaluation, 1115 Substance Use Disorder Demonstrations, Coronavirus Disease 2019 (COVID-19): Section 1115 Demonstrations, Seniors & Medicare and Medicaid Enrollees, Medicaid Third Party Liability & Coordination of Benefits, Medicaid Eligibility Quality Control Program, State Budget & Expenditure Reporting for Medicaid and CHIP, CMS-64 FFCRA Increased FMAP Expenditure Data, Actuarial Report on the Financial Outlook for Medicaid, Section 223 Demonstration Program to Improve Community Mental Health Services, Medicaid Information Technology Architecture, Medicaid Enterprise Certification Toolkit, Medicaid Eligibility & Enrollment Toolkit, SUPPORT Act Innovative State Initiatives and Strategies, SUPPORT Act Provider Capacity Demonstration, State Planning Grants for Qualifying Community-Based Mobile Crisis Intervention Services, Early and Periodic Screening, Diagnostic, and Treatment, Vision and Hearing Screening Services for Children and Adolescents, Alternatives to Psychiatric Residential Treatment Facilities Demonstration, Testing Experience & Functional Tools demonstration, Medicaid MAGI & CHIP Application Processing Time, Dental Excerpt from the 2015 Secretary's Report, Medicaid Dental Trends Analysis: 2000-2012, Federal Policy Guidance-Dental Coverage in CHIP, Guide to Children's Dental Care in Medicaid, Policy Issues in the Delivery of Dental Services, 2010 Eight-State Medicaid Dental Review Summary Report, AAPD State EPSDT Dental Periodicity Schedules, Find a Medicaid/CHIP Dental Provider in your State, Oral Health Care During Pregnancy: A National Consensus Statement, Tips for Good Oral Health During Pregnancy, Keep Kids Smiling Promoting Oral Health Through the Medicaid Benefit for Children and Adolescents, 2010 Medicaid/CHIP Oral Health Services fact sheet, Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit, Related Technical Assistance Brief Dental Sealant Measure, Medicaid Oral Health Performance Improvement Projects: A How-To-Manual for States, Medicaid Oral Health Performance Improvement Projects: A How-To-Manual for Health Plans, Medicaid Oral Health Performance Improvement Projects: A Template, Reducing Early Childhood Tooth Decay: An Overview for State Policymakers, Reducing Early Childhood Tooth Decay: Leading Steps for State Policymakers, Reducing Early Childhood Tooth Decay: Strategies for State Medicaid and CHIP Program Managers. A survey by the American Dental Association found 53% of low-income Missourians have difficulty chewing, 43% avoid smiling because of the condition of their mouth and 40% experience pain. One clinic that isnt seeing a bottleneck of dental patients, though, is KC Care Health Center in Kansas City. if (data.length > 0) { Unfortunately, that would allow the rest of the ballot measure to pass as well. 'GA': "georgia", In some states, there are state-run programs that can provide additional assistance. Who:Any Adult that has Medicaid is eligible What: Examinations, X-rays, Cleanings, Fillings and Extractions Most Medicaid eligibility and all CHIP eligibility is based on modified adjusted 'RI': "rhode-island", TDD/TTY: 800-735-2966, Relay Missouri: 711, Support Investigating Crimes Against Children, Make an Online Payment to Claims & Restitution, Child Care Provider Business Information Solution, Information for Residential Care Facilities & Child Placing Agencies, Online Invoicing for Residential Treatment & Children's Treatment Services, Resources for Professionals & Stakeholders, Habilitative Occupational_Physcial_and_Speech Therapies, Non-Emergency Medical Transportation (NEMT), Therapies - Occupational, Physical, and Speech, Apply for Electronic/Internet system access. cta_button_txt = cta_button_medicaid_eligible; Teenagers under 18 can also avail this offer. Dental services must be provided at intervals that meet reasonable standards of dental practice, and at such other intervals, as indicated by medical necessity, to determine the existence of a suspected illness or condition. From 2007 to 2011, almost half of all states (24) achieved at least a ten percentage point increase in the proportion of children enrolled in Medicaid and CHIP that received a preventive dental service during the reporting year. translation. If you cannot apply online the next best option is to scan We are also ramping up our efforts to educate consumers, health care providers and the public about positive oral health practices. As described below, Missouri had a long and somewhat complicated road to Medicaid expansion. 'WY': "wyoming" In these states, a 55 year-old with Medicaid expansion coverage might not have dental coverage, while a 70-year-old eligible for Medicaid based on a combination of age and financial circumstances could receive Monthly application volume for MAGI-based Medicaid enrollment had grown from 15,000 to 41,000 in that time. For Missourians earning over $50,000, those rates are 34% and 8%, respectively. Exposures Medicaid expansion under the ACA. But if a voter only reads that section, it would make sense that they would vote yes, as thats a reasonable expectation. As described below, Missouris GOP lawmakers spent much of 2021 trying to thwart the impending implementation of Medicaid expansion by withholding funding. cta_button_href = cta_button_redirect_url_marketplace; Welcome to American Dental Solutions, LLC! read_more_txt = read_more_medicaid_eligible; There was hope nationwide that the Courts ruling on King v. Burwell to uphold subsidies would galvanize the Medicaid expansion movement, since it indicated at that time that the ACA was here to stay. Many Medicare beneficiaries receive help through Medicaid with the cost of Medicare premiums, co-pays, deductibles, and services Medicare doesnt cover such as long-term care. An official website of the United States government %PDF-1.5 % Explore key characteristics of Medicaid and CHIP in , } Zocdoc is a free online service that helps patients find Medicaid Dentists in St Louis and book appointments instantly. ) or https:// means youve safely connected to the .gov website. Can I be enrolled in Medicare and Medicaid at the same time? In 2018, only 38% licensed dentists were enrolled with the medicaid program. It called for the state to submit a Medicaid expansion state plan amendment to the federal government by March 2021, and for Medicaid expansion to take effect by July 1, 2021. eligibility verifications plans, MAGI Conversion Plans }, 1. But for Missouri Medicaid applicants whose eligibility is based on their status as aged (65+), blind, or disabled, there are both income and asset limits. url: api_url, Dental coverage in separate CHIP programs is required to include coverage for dental services "necessary to prevent disease and promote oral health, restore oral structures to health and function, and treat emergency conditions.". cta_button_txt = cta_button_medicaid_eligible; Before MO HealthNet started accepting applications for the newly eligible Medicaid expansion population, the state had very limited Medicaid eligibility for adults. measures in the CMS Medicaid and CHIP Child Core Set. WebAll MO HealthNet Managed Care health plans are required to offer the same services and benefits. Oklahoma Medicaid expansion advocates also gathered enough signatures to get an expansion initiative on the ballot in 2020, and Oklahomas governor who is also opposed to Medicaid expansion also opted to put the ballot initiative on the primary ballot. Children & Sliding Accepting Medicaid, private Ins., Sliding Scale, Dentist Accept Medicaid Springfield Mo. WebMost of the 1.7 million adults in the states Medicaid program already get coverage for preventive dental services through managed-care organizations (MCOs). States have flexibility to determine what dental benefits are provided to adult Medicaid enrollees. It provides an overview of the childrens dental benefit in Medicaid, support for evidence-based policies at the state level, and details of successful strategies with state examples. Many low-income adults will now qualify for dental coverage through Medicaid expansion. Almost all, Dentist Accept Medicaid Joplin Mo. All Medicaid-eligible populations are subject to income limits (as well discuss in a moment, some populations are also subject to asset limits). WebMissouri now uses a single application form to apply for Medicaid. var cta_button_txt; To apply and learn more about dental health care coverage under Medicaid go to https://dss.mo.gov/mhd/healthcare-benefit.htm. Kristine Cody, the clinics vice president of oral health services, said a new patient could be seen there in about a week. A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1994. jQuery('#fpl_calculator').submit(function( event ) { 'VT': "vermont", jQuery('div.fpl_cta_section').css('display', 'block'); 'PA': "pennsylvania", On average, patients who use Zocdoc can search for a Dentist in St Louis who takes Medicaid insurance, book an appointment, and see the Dentist within 24 hours. The legislature came close to approving a modified version of Medicaid expansion in the spring of 2014, and Silvey noted that some of the lawmakers who opposed it had since retired, meaning there might be a better chance for successful legislation in 2015. read_more_medicaid_not_available = "Unfortunately, you may not be eligible for financial assistance with your health coverage based on the income you entered. How to Apply for Missouri Medicaid Missouri seniors can apply for MO HealthNet online at myDSS, over the phone at 855-373-9994, or download and submit a Blind and visually disabled persons who have a sighted spouse who can provide support may be denied coverage. What are some Dentists in joplin mo that accept metlife dental insurance? Dye claims he incurred massive legal bills and expenses after an audit of 500 patient files conducted with less than 24 hours notice. If your state uses one of these third-party programs, they can provide a list of the dentists in your area who can help you. read_more_txt = read_more_marketplace; Parson made his opposition to Medicaid expansion clear, but he stated that he would uphold the will of the people if the Medicaid expansion ballot measure was passed by voters. In St. Louis, Dr. Elena Ignatova, director of dental services at CareSTL Health, had 18 patients scheduled on a recent Wednesday in November. If you have questions, call them and ask. denture, where possible, is a covered service. Partial dentures with lingual or palatal bars are not covered. Partial overdentures are not covered. Summary of Benefits Report for Missouri, Medicaid InsureKidsNow.gov Page 7 of 12 Data as of: 09/03/2019 Print date: 05/21/2020 WebMO HealthNet Fee-For-Service Provider Search. Replacing the dentures is a regular health procedure under medicaid and there is no extra effort required for having a new sponsored dentres by medicaid but you have to be eligible for the medicaid insurance program. Some State of Missouri websites can be translated into many different languages using Google Translate, a third party service (the "Service") that provides automated computer fpl_cta_read_more_btn.innerText = 'Read less'; Other states only provide only emergency care. As of December 2019, has enrolled 985,201 individuals in Medicaid and CHIP a net increase of 57.29% since the first Marketplace Open Enrollment Period and related Medicaid program changes in October 2013. There are no minimum requirements for adult dental coverage. Shes also working her way through a waiting list of 39 patients who might be able to show up quickly if a cancellation or no-show opens a spot in her schedule. }); Ignatova is booked into February, but the clinic still takes walk-ins for dental emergencies. 9 Nov 2007 Does anyone know of any other dentists in Springfield. The amount of dental care available for an adult on Medicaid depends on the state. Choose any combination below then click on the Submit button. The following table provides a more detailed view of 's Healthcare is the states largest employment sector. Dental health is an important part of people's overall health. 'NM': "new-mexico", Must have vision less than 5/200 to be considered blind, Blind qualifiers must not publicly solicit alms. const cta_button_redirect_url_medicaid_not_available = "https://hio.insxcloud.com/get-a-quote?q=ICB7InByb2R1Y3QiOiAiTWVkaWNhbCJ9"; Secure .gov websites use HTTPS CHIP enrollment in for the last day of There are circumstances where the service does not translate correctly and/or where translations may not be possible, such Fortunately, Medicaid expansion did eventually take effect in Missouri in late 2021. Same-day appointments are often available, you can search for real-time availability of Dentists in St Louis who accept Medicaid insurance and make an appointment online. You can enroll through HealthCare.gov or through MO HealthNet. You can live in Washtenaw County for instance, and take advantage of, Dentists Who Accept Medicaid For Adults. View available state's About a quarter of them were insured through Medicaid. States are also required to post a listing of all participating Medicaid and CHIP dental providers and benefit packages onInsureKidsNow.gov. Webvendor nursing facility residents are eligible for the complete dental benefit. A lock ( Eligibility. There were extensive administrative details that still needed to be sorted out. There is easily enough demand for another dentist, but Ignatova said theyre still working on hiring the dental assistants and hygienists needed to reopen the school-based clinics for kids they operated before the pandemic. results_section.css('border-bottom-left-radius', '7px'); A citizen-led effort to get Medicaid expansion on the ballot in Missouri was considered a non-starter in 2018, as it didnt have the backing of any major groups at that point. read_more_status = 'inactive'; The state noted at that point that the administrative process of expanding Medicaid was expected to take up to 60 days, due to current staffing capacity and funding restraints, but clarified that medical costs incurred between the time a person applies and the time their enrollment is processed may be reimbursed at a later date. A later FAQ clarified that applications submitted by November 1, 2021 could have coverage backdated to July 1, 2021.
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