Healthcare Assistance for Single Mothers in Alabama
Healthcare Assistance for Single Mothers in Alabama: Medicaid, ALL Kids (CHIP) & More [2025]
Last updated: September 2025
This is your practical, no‑fluff hub to get medical coverage and care in Alabama fast. Every number, rule, and link below comes from official state or federal sources and is verified for 2025.
Quick Help (Start Here)
- Apply online for pregnancy, parent/caretaker, children’s Medicaid or Plan First: Insure Alabama application (fastest). For help, call the Alabama Medicaid Recipient Call Center at 1‑800‑362‑1504 (Mon–Fri, 8:00 a.m.–4:30 p.m.). (medicaid.alabama.gov)
- Apply or renew ALL Kids (CHIP) for children under 19: ALL Kids Apply Now or call 1‑888‑373‑5437. Premiums are 52∗∗or∗∗52** or **104 per child per year depending on income. Copays exist for some services; preventive care is $0. (alabamapublichealth.gov)
- Pregnant and over Medicaid income? Check ALL Babies (CHIP for pregnant women) income chart and copays: ALL Babies. Call 1‑888‑373‑5437. (alabamapublichealth.gov)
- Need a ride to covered care? Medicaid’s Non‑Emergency Transportation (NET) can help. Call 1‑800‑362‑1504 or your district NET office (see Contacts by Region below). (medicaid.alabama.gov)
- Breast or cervical cancer screening or treatment path to Medicaid: ABCCEDP screenings at up to 250% FPL; call 1‑877‑252‑3324. (alabamapublichealth.gov, medicaid.alabama.gov)
- WIC for pregnant/postpartum moms and kids under 5: Call 1‑888‑942‑4673 and see Apply for Alabama WIC. (alabamapublichealth.gov)
- Marketplace health plans (Healthcare.gov): Open Enrollment runs November 1 – January 15; many qualify for reduced premiums and copays based on income. Outside that window, most can enroll with a Special Enrollment Period (SEP) after life events. Start at HealthCare.gov. (healthcare.gov)
Quick Reference Cheat Sheet (Alabama 2025)
| Situation | Likely program | 2025 key income figure (monthly) | Where to apply / call |
|---|---|---|---|
| Pregnant and low/moderate income | Medicaid for Pregnant Women (full coverage, 12‑month postpartum) | Up to 146% FPL; e.g., family of 3 ≤ $3,243 | Insure Alabama • 1‑800‑362‑1504 (medicaid.alabama.gov) |
| Pregnant but above Medicaid limit | ALL Babies (CHIP for pregnant women) | See chart below (Low‑Fee/Fee tiers up to ~300% FPL) | ALL Babies • 1‑888‑373‑5437 (alabamapublichealth.gov) |
| Children under 19 | Medicaid or ALL Kids (CHIP) | For family of 4: Medicaid ≤ 3,912∗∗;ALLKidsLow‑Fee∗∗3,912**; ALL Kids Low‑Fee **3,913–4,180∗∗;Fee∗∗4,180**; Fee **4,181–$8,493 | ALL Kids • 1‑888‑373‑5437 • Insure Alabama (alabamapublichealth.gov) |
| Parent/caretaker of a child | Parent/Caretaker Medicaid (Section 1931) | Very low: family of 3 ≤ $400 | Medicaid • 1‑800‑362‑1504 (medicaid.alabama.gov) |
| Not pregnant; need birth control services | Plan First (Family Planning) | Up to 146% FPL (same MAGI limits as below) | Plan First • 1‑888‑737‑2083 (alabamapublichealth.gov) |
| Breast/cervical cancer screening → Medicaid path if diagnosed | ABCCEDP + BCC Medicaid | Up to 250% FPL (see dollar chart below) | 1‑877‑252‑3324 (ABCCEDP) (alabamapublichealth.gov, medicaid.alabama.gov) |
| On Medicare due to disability | Medicare Savings Programs (QMB/SLMB/QI) | QMB single ≤ 1,325∗∗;SLMB≤∗∗1,325**; SLMB ≤ **1,585; QI ≤ $1,782 | 1‑800‑362‑1504 (Medicaid) (medicaid.alabama.gov) |
2025 Poverty Guideline Reference (for converting %FPL to dollar amounts)
- 2025 HHS Poverty Guidelines for the 48 states: family of 3 = 26,650∗∗/yr;familyof4=∗∗26,650**/yr; family of 4 = **32,150/yr. Programs below use these to set monthly limits. (aspe.hhs.gov)
Medicaid & CHIP Programs You’ll Use Most
Medicaid for Pregnant Women (SOBRA) — includes 12 months postpartum coverage
Most important action: Apply online now if you’re pregnant. If you’re seen at a participating hospital/clinic, ask about “Hospital Presumptive Eligibility” for same‑day temporary coverage while your full application is processed.
- Eligibility (2025): Income up to 146% FPL (5% disregard included). Monthly limits (after MAGI deductions): family of 1 1,905∗∗;2∗∗1,905**; 2 **2,574; 3 3,243∗∗;4∗∗3,243**; 4 **3,912. Postpartum coverage lasts 12 months. (medicaid.alabama.gov)
- Apply: Insure Alabama. Need help? Call 1‑800‑362‑1504. Hospitals can grant temporary “Hospital Presumptive Eligibility” (HPE) to pregnant women; ask at registration. (medicaid.alabama.gov)
- Benefits: Full Medicaid benefits during pregnancy and through 12 months postpartum; Alabama also covers dental for pregnant recipients ages 21+ during pregnancy and postpartum when provided by a Medicaid‑enrolled dentist. (medicaid.alabama.gov)
- Real‑world example: A mom‑to‑be with two kids (family of 4) earns 3,800/month∗∗.That’sunderthe∗∗3,800/month**. That’s under the **3,912 Medicaid pregnancy limit, so she qualifies for full Medicaid and automatic 12‑month postpartum coverage. (medicaid.alabama.gov)
- Timeline reality: If a hospital/clinic does HPE, you can get temporary coverage the same day. A full determination can take several weeks depending on volume; apply online and upload documents promptly to avoid delays. (medicaid.alabama.gov)
Required documents (typical):
- Photo ID and proof of Alabama address.
- Proof of pregnancy (clinic or provider note is usually enough).
- Proof of household income (recent pay stubs, award letters).
- Social Security numbers (if available) for household members applying.
What to do if this doesn’t work:
- If you’re over the Medicaid income, check ALL Babies (CHIP for pregnant women) below.
- If you need coverage while your application is pending and you were not offered HPE, ask your hospital’s financial counselor about HPE and charity care policies.
ALL Babies (CHIP for pregnant women)
ALL Babies helps pregnant women whose income is above the Medicaid pregnancy limit but still under CHIP thresholds. Medical services are through Blue Cross Blue Shield of Alabama.
- Income (monthly, effective 2/1/2025): examples of ranges (family size counts the unborn):
- Family of 2: Medicaid 0–0–2,574; ALL Babies Low‑Fee 2,575–2,575–2,750; ALL Babies Fee 2,751–2,751–5,588.
- Family of 3: Medicaid 0–0–3,243; Low‑Fee 3,244–3,244–3,465; Fee 3,466–3,466–7,041.
- Family of 4: Medicaid 0–0–3,912; Low‑Fee 3,913–3,913–4,180; Fee 4,181–4,181–8,493.
- Copays/premiums: Same copay structure as ALL Kids. Preventive prenatal care typically has no copay; other services may have small copays. Annual out‑of‑pocket cap is 5% of family income. Call ALL Kids Customer Service 1‑888‑373‑5437 for your exact amounts. (alabamapublichealth.gov)
- Apply: Insure Alabama or via ALL Babies page. (alabamapublichealth.gov)
What to do if this doesn’t work:
- If income is above ALL Babies, price a Marketplace plan with subsidies (see the Marketplace section). During pregnancy you can also use public health clinics and Federally Qualified Health Centers for low‑cost care while you sort coverage.
Medicaid or ALL Kids (CHIP) for Children Under 19
Do this first: Use the joint application. If your child is Medicaid‑eligible, Medicaid will enroll them; if not, the application automatically routes to ALL Kids.
- 2025 income guide (monthly) for a family of 4:
- Medicaid: 0–0–3,912.
- ALL Kids Low‑Fee: 3,913–3,913–4,180.
- ALL Kids Fee: 4,181–4,181–8,493.
- ALL Kids costs:
- Annual premiums: 52∗∗(Low‑Fee)or∗∗52** (Low‑Fee) or **104 (Fee) per child; family caps 156∗∗/∗∗156** / **312.
- Out‑of‑pocket maximum: 5% of annual income.
- Copays vary by service; preventive checkups, vaccines, dental cleanings, and vision exams have no copay. See the 2025 copay charts on ADPH. (alabamapublichealth.gov)
- Coverage start: For approved ALL Kids cases, coverage begins the first day of the month after the application is received. Renew yearly. (alabamapublichealth.gov)
- Apply: ALL Kids Apply Now or call 1‑888‑373‑5437. You can also apply via Insure Alabama. (alabamapublichealth.gov)
Real‑world example:
- You and two kids (family of 3) make 3,300/month∗∗.That’saboveMedicaid’schildthreshold(∗∗3,300/month**. That’s above Medicaid’s child threshold (**3,243) but within ALL Kids Fee (3,466–3,466–7,041), so your children qualify for ALL Kids with low annual premiums and small copays. (alabamapublichealth.gov)
What to do if this doesn’t work:
- If your child is denied for having other insurance, ask your local ALL Kids team whether dropping unaffordable child‑only coverage would open eligibility (don’t cancel until you confirm). If denied for income, price a Marketplace child plan with subsidies.
Medicaid for Parents & Other Caretaker Relatives (very low income)
This category is available, but the income test is extremely low in Alabama.
- 2025 income (monthly, after MAGI deductions): family of 1 235∗∗;2∗∗235**; 2 **318; 3 400∗∗;4∗∗400**; 4 **483 (about 18% FPL; 5% disregard included). (medicaid.alabama.gov)
- Apply: Insure Alabama or call 1‑800‑362‑1504. (medicaid.alabama.gov)
Reality check:
- Many single parents won’t meet this low threshold. If you don’t, cover the children with Medicaid/ALL Kids and get yourself covered through a subsidized Marketplace plan (see below).
What to do if this doesn’t work:
- If premiums still look high in the Marketplace, ask a navigator to check all savings (some families under ~150% FPL can get very low premiums and cost‑sharing). You can also ask hospitals about financial assistance for care while you secure coverage.
Plan First (Family Planning Only)
If you’re not pregnant and need birth control and related services, Plan First can help.
- Who it helps: Women ages 19–55 (and certain services for men) for family planning only (not general medical care). Coverage includes yearly family planning exam, birth control (pills, Depo, etc.), sterilization (21+), and STI testing. (alabamapublichealth.gov)
- Income: Uses the same MAGI limits up to 146% FPL as listed in the Medicaid MAGI chart below. (medicaid.alabama.gov)
- Apply: If you have no children at home, mail the Plan First application or apply via Insure Alabama; if you have children/pregnant, use the joint Medicaid/ALL Kids application. Hotline 1‑888‑737‑2083. (alabamapublichealth.gov)
What to do if this doesn’t work:
- Use ADPH Family Planning clinics (services available statewide; many on a sliding fee scale) and ask about sliding‑scale visits at FQHCs. (alabamapublichealth.gov)
Numbers You Asked For (2025)
A. Medicaid MAGI Income Limits (effective Feb 2025)
These are monthly limits after MAGI rules and the 5% disregard. Use your household size (count yourself + kids you claim; for pregnancy, also count the unborn).
| Family size | Plan First / Pregnant Women / Children 0–18 (146% FPL) | Parents & Caretaker Relatives (≈18% FPL) |
|---|---|---|
| 1 | $1,905 | $235 |
| 2 | $2,574 | $318 |
| 3 | $3,243 | $400 |
| 4 | $3,912 | $483 |
Source: Alabama Medicaid “Medicaid Income Limits for 2025” handout. (medicaid.alabama.gov)
B. ALL Kids vs. Medicaid — Children’s coverage (Monthly, effective 2/1/2025)
| Family size | Medicaid | ALL Kids Low‑Fee | ALL Kids Fee |
|---|---|---|---|
| 1 | 0–0–1,905 | 1,906–1,906–2,035 | 2,036–2,036–4,135 |
| 2 | 0–0–2,574 | 2,575–2,575–2,750 | 2,751–2,751–5,588 |
| 3 | 0–0–3,243 | 3,244–3,244–3,465 | 3,466–3,466–7,041 |
| 4 | 0–0–3,912 | 3,913–3,913–4,180 | 4,181–4,181–8,493 |
Source: ADPH ALL Kids Monthly Income Guidelines (effective 2/1/2025). (alabamapublichealth.gov)
C. ALL Babies (CHIP for pregnant women) — Monthly Income Ranges (2/1/2025)
| Family size (includes unborn) | Medicaid | ALL Babies Low‑Fee | ALL Babies Fee |
|---|---|---|---|
| 2 | 0–0–2,574 | 2,575–2,575–2,750 | 2,751–2,751–5,588 |
| 3 | 0–0–3,243 | 3,244–3,244–3,465 | 3,466–3,466–7,041 |
| 4 | 0–0–3,912 | 3,913–3,913–4,180 | 4,181–4,181–8,493 |
Source: ADPH ALL Babies income guidelines (effective 2/1/2025). (alabamapublichealth.gov)
D. ALL Kids Costs (what you’ll actually pay)
- Annual premium per child: 52∗∗(Low‑Fee)or∗∗52** (Low‑Fee) or **104 (Fee). Family caps 156∗∗and∗∗156** and **312. Out‑of‑pocket cap: 5% of household income per year. (alabamapublichealth.gov)
- Example copays (2025 chart linked on ADPH): preventive well‑child visits $0; common office visit copays differ by group; see ADPH 2025 copay sheets (health and dental) for the full list. (alabamapublichealth.gov)
- Coverage start for approved cases: first day of the month after application is received (coverage runs 12 months). (alabamapublichealth.gov)
E. Medicare Savings Programs (for moms on Medicare due to disability)
Monthly income caps (effective Feb 2025):
- QMB: single ≤ 1,325∗∗;couple≤∗∗1,325**; couple ≤ **1,783.
- SLMB: single ≤ 1,585∗∗;couple≤∗∗1,585**; couple ≤ **2,135.
- QI: single ≤ 1,782∗∗;couple≤∗∗1,782**; couple ≤ **2,400.
Alabama disregards resources for MSP. Apply via Medicaid district offices or call 1‑800‑362‑1504. (medicaid.alabama.gov)
How to Apply, Step by Step
Online (fastest for most families)
- Use the single application at Insure Alabama for: Medicaid (pregnancy, kids, parent/caretaker) and Plan First. If you apply at ALL Kids and you’re Medicaid‑eligible, they’ll send your file to Medicaid for you. (medicaid.alabama.gov, alabamapublichealth.gov)
- To apply/renew ALL Kids directly: ALL Kids Apply Now. (alabamapublichealth.gov)
- Need a paper form? Call 1‑800‑362‑1504 (Medicaid) or 1‑888‑373‑5437 (ALL Kids) to have one mailed. (medicaid.alabama.gov, alabamapublichealth.gov)
In person or by phone
- Outstationed Medicaid workers are at most county health departments, FQHCs, and some hospitals. To find your best local option, call 1‑800‑362‑1504. (medicaid.alabama.gov)
- ALL Kids Customer Service: 1‑888‑373‑5437 (7:30 a.m.–4:30 p.m., weekdays). (alabamapublichealth.gov)
Required documents (have these ready)
- Proof of identity and Alabama residency.
- Social Security numbers (if available) for people applying.
- Proof of pregnancy (if applying as pregnant).
- Proof of income (recent pay stubs, award letters). For WIC, proof of participation in Medicaid/SNAP/TANF can help. (alabamapublichealth.gov)
Realistic timelines (what to expect)
- ALL Kids: if approved, coverage starts the first day of the month after the application is received. (alabamapublichealth.gov)
- Pregnant and seeking faster coverage: ask the hospital/clinic about Hospital Presumptive Eligibility to get temporary coverage immediately while your full application is processed. (medicaid.alabama.gov)
What to do if this doesn’t work:
- If you haven’t heard back within a few weeks, call the number on your receipt or the Recipient Call Center (1‑800‑362‑1504) to check status and whether any documents are missing. (medicaid.alabama.gov)
Getting to Care (Transportation & Networks)
- Medicaid Non‑Emergency Transportation (NET) pays for rides to Medicaid‑covered care (doctor, dental, dialysis, radiation, etc.). Call 1‑800‑362‑1504 or your district NET coordinator (see regional numbers below). (medicaid.alabama.gov)
- Alabama Coordinated Health Network (ACHN) nurses/social workers help pregnant moms and children navigate care and referrals (including family planning). See ACHN contacts by region. (medicaid.alabama.gov)
What to do if this doesn’t work:
- If a ride falls through, ask your clinic if they can reschedule and note it as a “transportation issue”; some clinics have flexibility or can help you re‑book NET sooner.
Cancer Screening & Treatment Path
- Free breast & cervical screening (ABCCEDP): For uninsured women up to 250% FPL; if cancer is diagnosed through this program, you may qualify for Breast and Cervical Cancer Medicaid for treatment. Call 1‑877‑252‑3324 to schedule or check eligibility. See the 2025 250% FPL monthly figures (family of 3 5,552∗∗,familyof4∗∗5,552**, family of 4 **6,697). (alabamapublichealth.gov)
What to do if this doesn’t work:
- If clinics are booked out, ask about other ABCCEDP providers in nearby counties or request a priority slot if you have symptoms (lump, bleeding, etc.).
Dental & Vision (What’s Covered)
- Children on Medicaid have comprehensive dental under EPSDT; ALL Kids also includes dental/vision with preventive services at no copay. (alabamapublichealth.gov)
- Pregnant adults (21+) on Medicaid get dental services during pregnancy and postpartum when seen by a Medicaid‑enrolled dentist. (medicaid.alabama.gov)
What to do if this doesn’t work:
- If you can’t find a dentist taking your coverage, ask your OB office or pediatrician for the current Medicaid dental provider list, or call Medicaid Dental at 334‑242‑5582. (medicaid.alabama.gov)
If You Don’t Qualify for Medicaid/CHIP: HealthCare.gov Marketplace
- Open Enrollment: November 1 – January 15 each year. If you enroll by December 15, coverage generally starts January 1; enroll by January 15 for February 1 start. Outside those dates, you can enroll only with a Special Enrollment Period (SEP) after a life event (loss of coverage, move, birth, etc.). Start at HealthCare.gov. (healthcare.gov)
- What to have ready: income estimate for the year, SSNs (if any), immigration info (if not a U.S. citizen), and current coverage details. See HealthCare.gov’s “Get Ready to Apply.” (healthcare.gov)
- Tip: If your income is modest, you may qualify for very low premiums and reduced deductibles/copays (cost‑sharing reductions) on Silver plans.
What to do if this doesn’t work:
- Talk to a local navigator or broker trained on the Marketplace. They can double‑check income entries (a common reason people miss savings) and help you pick the lowest total cost plan.
Local Care You Can Use While You Wait
- County Health Departments: Offer family planning, WIC, vaccinations, and more. Find your county via ADPH. WIC helpline: 1‑888‑942‑4673. (alabamapublichealth.gov)
- Federally Qualified Health Centers (FQHCs): Sliding‑fee primary care, dental, and behavioral health regardless of insurance status. Ask your Medicaid/ACHN team for an FQHC in your area. (medicaid.alabama.gov)
- Mental health 24/7: Call or text 988 for the Suicide & Crisis Lifeline if you’re in emotional distress.
What to do if this doesn’t work:
- If a clinic can’t book you soon enough, ask to be added to a cancellation list and request referrals to neighboring counties. For urgent mental health needs, go to the nearest ER or dial 988 immediately.
Resources by Region (Medicaid District Offices & NET)
Use these when you’re stuck or need to submit docs by fax. Each district covers multiple counties.
- Auburn: (866) 371‑4072 (serves Chambers, Clay, Coosa, Lee, Macon, Randolph, Russell, Talladega, Tallapoosa)
- Birmingham: (866) 371‑4073 (Jefferson, Shelby, St. Clair)
- Decatur: (866) 371‑4074 (Cullman, Morgan)
- Dothan: (866) 371‑4075 (Barbour, Coffee, Covington, Crenshaw, Dale, Geneva, Henry, Houston, Pike)
- Florence: (866) 371‑4076 (Colbert, Franklin, Lauderdale, Lawrence, Marion, Winston)
- Gadsden: (866) 371‑4077 (Blount, Calhoun, Cherokee, Cleburne, DeKalb, Etowah, Marshall)
- Huntsville: (855) 733‑3160 (Jackson, Limestone, Madison)
- Mobile: (866) 371‑4078 (Baldwin, Clarke, Escambia, Mobile, Washington)
- Montgomery: (866) 621‑6509 (Autauga, Bullock, Butler, Chilton, Elmore, Lowndes, Montgomery)
- Selma: (866) 371‑4079 (Choctaw, Conecuh, Dallas, Marengo, Monroe, Perry, Sumter, Wilcox)
- Tuscaloosa: (866) 371‑4080 (Bibb, Fayette, Greene, Hale, Lamar, Pickens, Tuscaloosa, Walker)
NET main office: (334) 242‑5151. Medicaid NET info and coordinator list are on Alabama Medicaid’s site. (medicaid.alabama.gov)
Common Mistakes to Avoid
- Waiting to apply. Apply now (even if you’re still gathering documents). You can upload more later.
- Using the wrong application. Pregnant, kids, parent/caretaker, or Plan First? Use Insure Alabama. Children only? ALL Kids’ form is fine—both systems share the same pipeline. (medicaid.alabama.gov)
- Missing renewal mail. For ALL Kids, renewals mail out about two months before the card’s “Good Thru” date. Return it fast to avoid a lapse. (alabamapublichealth.gov)
- Not asking about Hospital Presumptive Eligibility (HPE). This can start pregnancy coverage the same day at participating hospitals. (medicaid.alabama.gov)
- Not reporting a new baby. Report births promptly to Medicaid/ACHN so the baby’s coverage starts without gaps. (medicaid.alabama.gov)
- Skipping transport help. If rides are the issue, call NET early to schedule. (medicaid.alabama.gov)
Application Checklist (Print this)
- IDs and Alabama address documents.
- Social Security numbers (if available) for everyone applying.
- Proof of pregnancy (if applying as pregnant).
- Income proof for the last 30 days (pay stubs, award letters). For WIC, bring Medicaid/SNAP/TANF proof if enrolled. (alabamapublichealth.gov)
- Any current insurance cards, COBRA notices, or Marketplace documents.
- A list of your doctors/clinics and medications (helps care coordination).
Diverse Communities: Specific Tips
- LGBTQ+ single mothers: Ask your ACHN nurse or county health department for affirming providers. ALL Kids/Medicaid cover behavioral health; use 988 for crisis support. (medicaid.alabama.gov)
- Single mothers with disabilities (or on SSI) or with disabled children: If you’re on SSI, you’re usually Medicaid‑eligible. Check Medicare Savings Programs if you have Medicare due to disability. For kids with serious conditions, ACHN can help coordinate specialists. (medicaid.alabama.gov)
- Veteran single mothers: Use VA health care if you’re eligible and consider Medicaid/ALL Kids for your children. If uninsured between VA services, price a Marketplace plan with subsidies.
- Immigrant/refugee single moms: Children and many lawfully present pregnant women may qualify; if you’re not eligible, Alabama Medicaid still covers life‑threatening emergencies regardless of status. ABCCEDP screenings are also available to uninsured women who meet income/age criteria. (medicaid.alabama.gov)
- Tribal citizens: If you’re eligible for Indian health services, ask the clinic to coordinate with Medicaid/ALL Kids. Marketplace plans also have special cost‑sharing protections for American Indians/Alaska Natives.
- Rural moms with limited access: Use NET for rides to covered care and ask ACHN about nearby providers. County health departments and FQHCs offer sliding‑fee care. (medicaid.alabama.gov)
- Single fathers caring for children: All children’s programs (Medicaid, ALL Kids) are open regardless of the parent’s gender. The Parent/Caretaker Medicaid income test is the same. (medicaid.alabama.gov)
- Language access: County health departments and WIC provide free communication assistance and interpreter services. (alabamapublichealth.gov)
Extra Programs Worth Knowing
- Nurse‑Family Partnership (home visiting for eligible Medicaid moms until baby turns two): ask your ACHN region for availability. (medicaid.alabama.gov)
- Transforming Maternal Health (TMaH) Model: Alabama Medicaid joined a federal 10‑year initiative in 2025 to improve pregnancy and postpartum care quality statewide. This means more attention to maternal health resources. (medicaid.alabama.gov)
Tables You Can Screenshot
1) Which program fits you?
| You are… | Likely program | Key 2025 money limit | What you pay |
|---|---|---|---|
| Pregnant, family of 3, income $3,200/mo | Medicaid Pregnancy | ≤ $3,243/mo | $0 premiums; standard Medicaid cost rules |
| Pregnant, family of 3, income $3,500/mo | ALL Babies | Low‑Fee tier 3,244–3,244–3,465 (Fee above that) | Small annual premium and copays; preventive care $0 |
| Child under 19, family of 4, income $4,000/mo | ALL Kids Low‑Fee | 3,913–3,913–4,180/mo | $52/yr premium; low copays; 5% OOP cap |
| Child under 19, family of 4, income $3,500/mo | Medicaid | ≤ $3,912/mo | $0 premiums; EPSDT dental/vision |
| Parent with one child, income $450/mo | Parent/Caretaker Medicaid | ≤ $400/mo (family of 3) | Full Medicaid |
Sources: Alabama Medicaid/ADPH for 2025 income limits and ALL Kids costs. (medicaid.alabama.gov, alabamapublichealth.gov)
2) ALL Kids cost snapshot
| Cost item | Low‑Fee Group | Fee Group |
|---|---|---|
| Annual premium per child | 52∗∗(familycap∗∗52** (family cap **156) | 104∗∗(familycap∗∗104** (family cap **312) |
| Preventive visits (well‑child, vaccines) | $0 | $0 |
| Out‑of‑pocket cap per year | 5% of household income | 5% of household income |
Source: ADPH “Premiums and Copays” (updated June 4, 2025). (alabamapublichealth.gov)
3) Medicaid MAGI quick chart (monthly, 2025)
| Family size | Pregnant/Children ≤146% FPL | Parent/Caretaker ≤~18% FPL |
|---|---|---|
| 1 | $1,905 | $235 |
| 2 | $2,574 | $318 |
| 3 | $3,243 | $400 |
| 4 | $3,912 | $483 |
Source: Alabama Medicaid “Income Limits for 2025.” (medicaid.alabama.gov)
4) Medicare Savings Programs (monthly, Feb 2025)
| Program | Single | Couple | What it pays |
|---|---|---|---|
| QMB | $1,325 | $1,783 | Part A & B premiums + most Medicare cost‑sharing |
| SLMB | $1,585 | $2,135 | Part B premium |
| QI | $1,782 | $2,400 | Part B premium (first‑come funding) |
Source: Alabama Medicaid 2025 income limits sheet. (medicaid.alabama.gov)
5) Marketplace dates (2025 coverage year)
| Deadline | What it means |
|---|---|
| November 1 | Open Enrollment opens (new enrollments and changes) |
| December 15 | Last day for Jan 1 coverage start |
| January 15 | Last day of Open Enrollment (Feb 1 start) |
| SEP (60 days from event) | Enroll after qualifying life events (loss of coverage, move, birth/adoption, etc.) |
Source: HealthCare.gov. (healthcare.gov)
What If You’re Overwhelmed? (A simple path)
- Step 1: Cover the kids now (Medicaid or ALL Kids). It’s the fastest yes.
- Step 2: If you’re pregnant, apply at Insure Alabama and ask the clinic about presumptive eligibility for immediate coverage.
- Step 3: If you’re not pregnant and don’t qualify as a parent/caretaker, price a Marketplace plan with savings.
- Step 4: Use WIC for nutrition support and County Health Departments/FQHCs for care while applications process. WIC: 1‑888‑942‑4673. (alabamapublichealth.gov)
10 Alabama‑Specific FAQs (with quick answers)
- What’s the fastest way to get pregnancy coverage started?
Ask the hospital or clinic about Hospital Presumptive Eligibility (HPE) and apply at Insure Alabama. (medicaid.alabama.gov) - How long does ALL Kids take, and when does it start?
When approved, ALL Kids starts the first day of the month after your application is received; renew every year. (alabamapublichealth.gov) - Do I lose coverage 60 days after delivery?
No. Alabama provides 12 months postpartum coverage under Medicaid; dental is included for pregnant/postpartum adults 21+. (medicaid.alabama.gov) - What are the 2025 income limits for pregnant Medicaid in dollars?
Example monthly limits: family of 3 3,243∗∗;familyof4∗∗3,243**; family of 4 **3,912. (medicaid.alabama.gov) - My income is too high for Medicaid but I’m pregnant. What’s next?
Review ALL Babies income chart and copays; apply online or call 1‑888‑373‑5437. (alabamapublichealth.gov) - What will ALL Kids cost me per year?
Annual premium is 52∗∗(Low‑Fee)or∗∗52** (Low‑Fee) or **104 (Fee) per child with a family cap and 5% annual out‑of‑pocket limit. Preventive care has no copay. (alabamapublichealth.gov) - I’m caring for my child alone. Do I qualify for parent Medicaid?
Possibly, but Alabama’s income limits are very low (e.g., family of 3 ≤ $400/month). Check your child for Medicaid/ALL Kids and price a Marketplace plan for yourself. (medicaid.alabama.gov) - Will Medicaid help me get to appointments?
Yes. Use Medicaid’s NET program for rides to covered services. Call 1‑800‑362‑1504 or your regional NET office. (medicaid.alabama.gov) - I found a lump in my breast but have no insurance.
Call 1‑877‑252‑3324 for ABCCEDP free screening (≤250% FPL). If cancer is diagnosed, you may qualify for Breast & Cervical Cancer Medicaid for treatment. (alabamapublichealth.gov, medicaid.alabama.gov) - I missed Open Enrollment for the Marketplace. Can I still enroll?
Yes, if you had a qualifying life event (SEP) or qualify based on income. See the SEP rules at HealthCare.gov. (healthcare.gov)
Reality Checks, Warnings, and Tips
- Documents hold up approvals more than anything. Upload legible pay stubs and respond to mail fast.
- Coverage start dates are fixed by program rules (e.g., ALL Kids starts the 1st of the following month). Plan medication refills around that. (alabamapublichealth.gov)
- For postpartum dental, make your cleaning/fillings before postpartum coverage ends; confirm the dentist is Medicaid‑enrolled. (medicaid.alabama.gov)
- If a hospital says you’re “over income” for Medicaid, ask them to check ALL Babies and the Marketplace with subsidies. Many families qualify for affordable options once income is entered correctly.
Content Gaps We Closed (vs. typical search results)
Most top search results explain programs but don’t show the 2025 monthly dollar limits for each family size, exact ALL Kids/ALL Babies cost tiers, postpartum dental coverage details, NET contact points, or district office phone numbers on one page. This guide fills those gaps with 2025 income charts, premiums/copays, 12‑month postpartum coverage, transportation contacts, and step‑by‑step application plus Plan B options—using only official Alabama and federal sources. (medicaid.alabama.gov, alabamapublichealth.gov)
About This Guide
Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from Alabama Medicaid, the Alabama Department of Public Health (ALL Kids/ALL Babies/WIC), and related federal references. It’s produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed.
Last verified September 2025, next review April 2026.
Please note that despite our careful verification process, errors may still occur—email info@asinglemother.org with corrections and we respond within 72 hours.
Disclaimer
- Program rules, dollar limits, premiums, copays, and dates can change. Always verify on the official Alabama Medicaid or ADPH websites or with the agency phone numbers listed here before you act.
- Health content in this guide is informational, not medical advice. For emergencies, call 911. For mental health crises, call or text 988.
- For your security: apply only through official state or federal sites linked in this guide. Don’t share personal info by text or with anyone claiming to be from Medicaid/ALL Kids asking for payment. (alabamapublichealth.gov)
Sources (selected)
- Alabama Medicaid: 2025 MAGI and MSP income limits; eligibility groups summary (12‑month postpartum). (medicaid.alabama.gov)
- ADPH ALL Kids/ALL Babies: application, benefits, premiums/copays (2025), monthly income charts (effective 2/1/2025). (alabamapublichealth.gov)
- Hospital Presumptive Eligibility (HPE). (medicaid.alabama.gov)
- NET transportation and regional coordinator list. (medicaid.alabama.gov)
- ABCCEDP and BCC Medicaid pathway; 250% FPL income guide. (alabamapublichealth.gov, medicaid.alabama.gov)
- HealthCare.gov Open Enrollment and SEP rules. (healthcare.gov)
- HHS Poverty Guidelines (2025). (aspe.hhs.gov)
- WIC (Alabama): how to apply & contact. (alabamapublichealth.gov)
- ALL Kids coverage start and renewal. (alabamapublichealth.gov)
- ACHN for recipients. (medicaid.alabama.gov)
- Dental coverage for pregnant/postpartum adults on Medicaid. (medicaid.alabama.gov)
If you find anything outdated, email info@asinglemother.org and we’ll verify and update quickly.
🏛️More Alabama Resources for Single Mothers
Explore all assistance programs in 34 categories available in Alabama
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- 🍎 SNAP and Food Assistance
- 🔧 Job Training
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- 🤝 Community Support
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- 🤱 Postpartum Health & Maternity Support
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