How to Apply for Medicaid in Alabama in 2026

To apply for Alabama Medicaid in 2026, you must use the specific method assigned to your eligibility group.

Most applicants—including parents, children, and pregnant women—should apply online via Insure Alabama, while seniors and individuals with disabilities must use the Elderly & Disabled (E&D) Application Portal.

You can also mail a completed paper application to the Alabama Medicaid Agency or visit a local District Office for in-person help.

Quick Summary:

• Alabama uses two separate application systems based on your eligibility category
• You need proof of identity, income, and citizenship to apply
• Understanding Alabama Medicaid income limits in 2026 is critical before applying
• Alabama has not expanded Medicaid to low-income childless adults
• Approval typically takes 30–45 days for most applicants
• Seniors and disabled individuals have different income rules from families

Step 1: Choose the Right Application Portal

Alabama splits its Medicaid application process into two distinct systems. Using the wrong one will delay your coverage. Select the portal that matches your situation.

Family & Pregnancy (MAGI) Portal

This is for families, children, and pregnant women. You’ll apply through Insure Alabama.

Who qualifies:

• Children under 19 (ALL Kids program)
• Pregnant women
• Parents or caretakers with children under 19
• Plan First (family planning services only)

Primary portal: Insure Alabama
Paper form: Form 291 (Joint Application)

Elderly & Disabled (E&D) Portal

This is for seniors, people with disabilities, and nursing home residents. You’ll use the E&D Application Portal.

Who qualifies:

• Adults age 65 or older
• Blind individuals
• People with disabilities
• Nursing home residents
• Waiver program applicants

Primary portal: E&D Application Portal
Paper form: Form 204 or Form 205

Before you apply, review the detailed Alabama Medicaid eligibility requirements for 2026 to confirm which category you fit into.

Step 2: Gather Required Documents

Missing documents are the #1 reason applications get denied or delayed. Collect everything before you start.

Identity & Citizenship

You need proof of who you are and that you’re a U.S. citizen or legal resident.

• Driver’s license or state ID
• Birth certificate
• U.S. passport
• Social Security card

Income Proof

Alabama requires recent proof of all household income.

• Pay stubs from the last 30 days
• Social Security award letters
• Unemployment benefits statement
• Child support records
• Tax returns (if self-employed)

Medical Necessity (E&D applicants only)

If you’re applying based on disability or nursing home care, you need medical documentation.

• Doctor’s diagnosis and treatment records
• Disability determination letter
• Hospital or clinic records

Other Insurance

If you have Medicare or private insurance, bring proof.

• Medicare card (front and back)
• Private insurance cards
• COBRA or retiree coverage documents

Tip: Make copies of everything. Keep the originals for your records.

2026 Eligibility & Income Limits

Income limits vary strictly by program. You must meet both the category requirement and the income threshold to qualify.

For a full breakdown, see 2026 Alabama Medicaid income limits by category.

Income Thresholds by Program

The Coverage Gap

Alabama has not expanded Medicaid under the Affordable Care Act. This means childless adults aged 19–64 who are not disabled generally do not qualify, no matter how low their income is.

If you fall into this gap, visit Healthcare.gov to check for marketplace subsidies. You may qualify for financial help with private insurance.

If you’re curious how Alabama compares to other states, check out Medicaid income limits by state in 2026.

Step 3: Submit Your Application

Once you’ve chosen the right portal and gathered your documents, you’re ready to apply.

Online Application

For families and pregnant women:
Visit Insure Alabama and create an account. Follow the on-screen instructions. Upload your documents directly.

For seniors and disabled applicants:
Visit the E&D Application Portal. You may need to download and complete forms before uploading.

Paper Application

Download the correct form from the Alabama Medicaid website or request one by calling 1-800-362-1504.

Mail completed forms to:

Alabama Medicaid Agency
P.O. Box 5624
Montgomery, AL 36103-5624

You can also fax documents to 334-206-3783.

In-Person Application

Visit your local Alabama Medicaid District Office. Staff can help you fill out the application and answer questions.

Step 4: Wait for a Decision

Most applications are processed within 30–45 days. Some cases (especially disability determinations) can take up to 90 days.

What Happens Next

• You’ll receive a letter in the mail with the decision
• If approved, you’ll get a Medicaid ID card
• If denied, the letter will explain why and how to appeal

If You’re Denied

You have the right to appeal. Follow the instructions in your denial letter. You typically have 30 days to file an appeal.

Medicaid Fee Schedule & Provider Information

Once you’re approved, you’ll want to know which doctors and services are covered. Alabama Medicaid publishes a fee schedule that shows reimbursement rates for providers.

For details on what services cost and which providers accept Medicaid, see the Medicaid fee schedule for 2026. If you’re specifically in Alabama, the Alabama Medicaid fee schedule 2026 shows state-specific rates.

Help & Resources

If you need assistance or have questions, Alabama Medicaid offers multiple ways to get help.

Customer Service:
📞 1-800-362-1504
Monday–Friday, 8 a.m.–5 p.m. CT

ALL Kids (CHIP):
📞 1-888-373-5437

Fax Applications:
📠 334-206-3783

Mailing Address:
Alabama Medicaid Agency
P.O. Box 5624
Montgomery, AL 36103-5624

Official Website: medicaid.alabama.gov

Federal Medicaid Information: Medicaid.gov

Frequently Asked Questions (FAQs)