Who is eligible for this policy?
To be eligible for a Special Automobile Insurance Policy, an individual must be currently enrolled in federal Medicaid with a hospitalization program. To determine eligibility, simply look at the upper left-hand side of your Medicaid I.D. card and if there is an asterisk after the card run identifier, you are eligible for this type of policy.

What would it cost?
The SAIP costs $365 annually, or $360 if paid in full up front.

What should I be aware of with a SAIP?
A SAIP does not cover outpatient doctor visits covered by Medicaid. There also is no coverage for damage you may cause to others or their property, commonly referred to as liability coverage in traditional personal automobile policies. Therefore, you leave yourself open to being sued by another party for these damages.

Will it cover damage caused to my own vehicle?
No. A SAIP is limited strictly to emergency medical treatment, and does not insure you against damage to your vehicle, as a traditional personal automobile policy would through collision or comprehensive coverage.

What happens if my Medicaid benefits are discontinued?
In order to be covered under a SAIP, an applicant must show documentation at initial purchase, and every renewal thereafter to continue their benefits under this policy. If the individual’s Medicaid benefits are discontinued during the policy term, the policy will not cancel, but benefits will be very limited.

As your professional insurance agent, we want you to have the information you need to make an informed decision about the insurance coverage you want to protect you and your family. Contact us at any time to review your options.