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Washington

Washington Apple Health (Medicaid) Funding Guide

Washington Apple Health (Medicaid) · 18-001P

Content verified 2026-07-17T17:44:25.699Z

Medicaid Asset Protection & Spend-Down MilestonesGoverned Protocol
160-Month Lookback Guard

All asset transfers and gifts within 5 years are audited under state lookback statutes.

2Exempt vs. Countable Assets

Primary home equity, one vehicle, and personal effects remain protected under community spouse allowances.

3Miller Trust / QIT Path

Excess income in income-cap states is redirected into a Qualified Income Trust to preserve qualification.

Program overview

Apple Health is the name for Medicaid in Washington. Apple Health is free or low-cost health insurance coverage for those who qualify. As a Washington State resident, you and your family may be eligible for free or low-cost health care. Through Apple Health (Medicaid), you have access to medical, dental, and vision care, as well as behavioral health services—including mental health and substance use treatment and prevention, recovery support, and housing and employment services.

Eligibility includes the aged, blind, and disabled. Also, adults with incomes up to 138% of FPL; children with household incomes up to 200% of FPL are eligible for no-premium Medicaid; children with household incomes 200-300% of FPL eligible (with premium); pregnant women with incomes up to 185% of FPL. Apple Health (Washington's Medicaid/CHIP) provides health insurance coverage for qualifying children, pregnant women, parents, seniors, and individuals with disabilities.

Apple Health (Medicaid) covers a wide range of health care services. The coverage depends on the program in which the client is enrolled. All plans include essential health benefits such as doctor visits, emergency care, prescriptions, maternity care, and preventive services. Long-term services and supports are available for eligible individuals who need assistance with daily living activities.

When applying, we process applications for Washington apple health medicaid within forty-five calendar days, with the following exceptions: If you are pregnant, we process your application within fifteen calendar days; If you are applying for a program that requires a disability decision, we process your application within sixty calendar days. Coverage will begin on the first day of the month in which the application was submitted. You'll have the option to select a managed care plan online or you'll be auto-enrolled into a plan.

Main application form

Application for Health Care Coverage

Form 18-001P

Download form

Additional forms

  • Application for Aged, Blind, Disabled/Long-term Care Coverage · 18-005

    Required for aged 65+, Medicare, blind, disabled, or needing long-term services and supports

    Download form →
  • Application for Pregnant Teen · 14-430

    For pregnant minors under 19 needing confidential coverage

Where to submit

Submit by mail to Washington Healthplanfinder PO Box 946, Olympia, WA 98507 or visit your local Department of Social and Health Services (DSHS) office.

Read guide

Washington's Apple Health, also known as Medicaid, provides free or low-cost health coverage to qualifying residents. Adults with incomes up to 138% of the federal poverty level qualify, as do children, pregnant women, seniors, and individuals with disabilities. You can apply online through Washington Healthplanfinder, by phone at 1-855-923-4633, or using paper form 18-001P. The program covers medical, dental, vision, and behavioral health services. Applications are typically processed within 45 days, with faster processing for pregnant women. Coverage begins the first day of the month you apply. Visit wahealthplanfinder.org to get started today.

Official resources

Related guides

Frequently Asked Questions

How do I apply for Washington Apple Health (Medicaid) in Washington?

To apply for Washington Apple Health (Medicaid) in Washington, complete Application for Health Care Coverage (18-001P), then submit it to Submit by mail to Washington Healthplanfinder PO Box 946, Olympia, WA 98507 or visit your local Department of Social and Health Services (DSHS) office..

What documents do I need to apply for Washington Apple Health (Medicaid) in Washington?

You typically need to provide: Social Security card or immigration document number, Proof of U.S. citizenship or legal immigration status, Proof of Washington state residency, Current pay stubs or proof of income from all sources, Tax returns from most recent tax year, Bank statements and other asset documentation, Medical bills (if applying for unpaid medical expenses), Information about current health insurance coverage, Birth certificates for all household members, Marriage certificate (if married), Disability determination documents (if applicable), Information about any other health coverage available.

Where do I submit my Washington Apple Health (Medicaid) application in Washington?

Submit your completed Washington Apple Health (Medicaid) application to Submit by mail to Washington Healthplanfinder PO Box 946, Olympia, WA 98507 or visit your local Department of Social and Health Services (DSHS) office..

What is the main application form for Washington Apple Health (Medicaid) in Washington?

The primary application form is Application for Health Care Coverage (18-001P). Download it from the official state website: https://www.hca.wa.gov/assets/free-or-low-cost/18-001P.pdf

Where can I find official information about Washington Apple Health (Medicaid) in Washington?

Official information and application resources are available at Washington Healthplanfinder Portal: https://www.wahealthplanfinder.org/

How we research and verify this information

Our team compiles this listing from public records and provider data, and reviews it against authoritative sources. Read our editorial standards and research methodology.

Editorial review by John Richie, Senior Care Research Editor.

The Care Decision Podcast · Episode 2 & Printable Cost Checklists

Real Care Cost Breakdown: Audio Guide & Printable Tour Checklists

Base rent is rarely the final monthly invoice. Stream Episode 2 (19 min) or click either reference card below to zoom, save, or print our tour pricing checklist and 3-bucket invoice funding blueprint.

The Care Decision podcast cover art

Episode 02 · 19:21 · Hosted by Maya & Daniel

What Does Memory Care Actually Cost?

Assisted living base rent ($5,900–$6,250/mo) vs. memory care ($6,500–$8,500+/mo), level-of-care add-ons, and tour questions.

Tour Pricing Checklist · Ep 2 Assisted Living vs. Memory Care Cost Breakdown (Ep 2)
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Funding Stack Blueprint · Ep 3 The 3-Bucket Invoice Split ($6,200/mo Gap · Ep 3)
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📝 Open Interactive 5-Question Facility Tour Worksheet & 24-Month Calculator (Printable) Expand ↓
Interactive Facility Tour Scorecard

5-Question Tour Worksheet & 24-Month Survival Calculator

Fill in the numbers quoted during your tour to calculate the 2-year total at the next care tier up, then print a 1-page scorecard.

Day-1 Monthly (Base + Meds)

$7,140/mo

Year-2 Monthly (Next Tier Up)

$8,390/mo

24-Month Total at Next Tier Up

$199,774

🧮 Open Interactive 3-Bucket Monthly Gap & Six-Doors Benefit Calculator (Ep 3 · Printable) Expand ↓
Interactive 3-Bucket Funding Stack · Ep 3

3-Bucket Monthly Gap & Six-Doors Benefit Stacker

Split the community quote into Room & Board (Bucket 1) and Personal Care/ADLs (Bucket 2) to see how Social Security, VA Aid & Attendance, LTC insurance, and state Medicaid HCBS waivers reduce your net monthly gap.

Net Monthly Family Gap (After Benefits)

$4,129/mo

Total Invoice: $6,200/mo · Covered: $2,071/mo

90-Day Elimination / Approval Bridge

$12,387

Home Care + Adult Day pacing ($3,120/mo) saves $9,240 over 90d

24-Month Net Family Out-of-Pocket

$99,096

Bucket 3 Clinical & Part D ($2,400 Rx cap) stays on Medicare

Card 1 / 1

Printable Family Reference Card

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