I posted earlier about this subject. My insurance was cancelled because my group (my partner and I were covered by BC/BS under our farm business) no longer qualified? Our premiums were around 900.00 per month. My agent advised we needed to submit our information to the Health Care.Gov site. I did and we were accessed Medicaid eligible? I called the 800 number, same outcome. E-mail from the health care site said we would be contacted by our local DHHR. It didn't happen so I called. We were given an appointment with a medical assistant specialist (local DHHR employees are not up to date on the new laws). We were advised there are no asset/resource limits as there is if you were to need nursing care. Income is based on modified adjusted income. I verified this at www.hca.wa.gov/hcr/me/Pages/index/index.aspx. Was still skeptical as we own a small farm, two vehicles (no debt), modest savings. We retired from retail this year. Our income is from a note held on the sold store and a property we sold. Our adjusted gross income is from interest only. This puts us below the poverty level for monthly income. IF we had to pay our insurance premiums (1400 per month without our "group") it would now be almost half our total income per month. I post this because it is now open season for health care and I don't think folks know what may be available to them. We are the only advanced country in the world that does not offer health care to everyone. Check your status now at healthcare.gov.
Health Insurance/Medicaid Expansion 2014
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And we are the only country that has Our Constitution, and should be followed by one and all, especially the government and president of the United States of America. Our government was set up to never be a give all to everyone, it was set up to make sure people could improve themselves without any interference from government and that includes any handouts called healthcare.
maddy, have you been self-employed for the last 25 plus years and paid for your health insurance? In that time I have paid over a quarter of a MILLION dollars for health insurance. Arabian Knight I worked my way thru college tooth and nail and have never had a "hand out" I have paid taxes for over 40 years. Are you going to forego your retirement benefits(government paid) at age 62? Same difference.
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My personal feeling is the system is broke, Medical coverage should be like all other services you contract with a provider, just like you do with cellphone service, or electric service. This way there is no middleman. The whole idea of insurance companies creates a middleman who sucks up money that should go to the provider. My Idea is free market, hospitals set up a membership, contract with doctors and you get health care anytime you need it by paying directly to them on a weekly or monthly basis, depending on how your paid. They get a steady income, you get health care when ever needed since you are a member. Not a member? Then you get billed and you are responsible for it. Out of town? Cell-companies had roaming agreements so why not hospitals, I figure give the providers a free hand and let them work it out just like the cell-companies did. Hospitals will then be competing for your membership dollars, and you can go to whoever offers the best deal for your needs. Costs would come down, hospitals would figure out that keeping you healthy is more profitable than waiting for you to get sick and then make money off of you. Competition creates lower costs and better service. Government should no way be involved, anything they do just makes a bigger mess.
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If you accept medicAID, then upon your death the government gets to swoop in and take stuff to pay for what it gave you. In other words, if you have a first born child, the government takes it (or what it would inherit).
you can delete my account Admin. I posted this because a couple with 16k income per year posted here and were having trouble with health care bills. They could benefit from this information. I have a BS in veterinarian sciences with years of animal husbandry experience. I milk dairy goats, jersey cows, have chickens for eggs and meat and raise a large garden. Isn't this what this site is all about? A few negative comments should not get a post moved.
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In some cases, where offspring are greedy or uncaring, that could be a very legitimate feeling. I'm somewhat neutral on the whole thing for others. I personally would rather not accept bait with a hook in it.
Harry, it is now different. It shouldn't be called Medicaid because it is not. you are thinking of Medicaid as it refers to nursing home requirements. For medical insurance assets are no longer adjusted for. To get nursing care you could keep your house, one car and have 2k in the bank, at death your assets would go to the government. This is does not apply to health insurance.
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Medicaid clawback varies by state. In most states it's only done for long term care, but some states do more. If you're on Medicaid you should learn about the Medicaid clawback laws for your particular state.
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This is for WI
Wisconsin’s ForwardHealth Medicaid plans for elderly, blind or disabled provide health care for those who are:
Age 65 or older, blind or disabled,
With family income at or below the monthly program limit, and
Who are United States citizens or legal immigrants.
The Medicaid plan you are enrolled in depends on your income, assets, and type of care you need.
And for some disabled folks that can work a few hours a week it raises the ASSET only level not the income.
I am just below the income level so I can get Medicaid but I have to work a few hours each week in order to raise the ASSET level. Which is called MAPP Which you Buy Into the program,.
If not the asset level is under 2,000. That even includes life insurance policies, if it is Whole Life or Term Life. LOL
I am also on Medicare at the same time.
Wisconsin’s ForwardHealth Medicaid plans for elderly, blind or disabled provide health care for those who are:
Age 65 or older, blind or disabled,
With family income at or below the monthly program limit, and
Who are United States citizens or legal immigrants.
The Medicaid plan you are enrolled in depends on your income, assets, and type of care you need.
And for some disabled folks that can work a few hours a week it raises the ASSET only level not the income.
I am just below the income level so I can get Medicaid but I have to work a few hours each week in order to raise the ASSET level. Which is called MAPP Which you Buy Into the program,.
If not the asset level is under 2,000. That even includes life insurance policies, if it is Whole Life or Term Life. LOL
I am also on Medicare at the same time.
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That's nice -for YOU. Say "thank you" to us.
How many of these cases like yours do you think there are? How long b/4 the cart is way too full & us who pull it cannot anymore?
DH lost his ins end of '13. AND he LIKED his ins! However it coulda been replaced by a plan nearly twice the cost w/higher premiums. AND he DOES NOT like the plan. Gives him free maternity care & free B.C. tho.
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Oh, NO IT IS NOT.
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This debate about obamacare, and Medicaid expansion is part of obamacare, has gone around the same track so many times, it's worn a rut 6 feet deep.
It comes down to those who get the freebie, even though they have more resources than those who don't qualify, love it, while those who pay for, both in money and lost benefits, and have no access to the freebies,hate it.
This shows the stupidity of a government picking and choosing which of their citizens get access to a program while expecting those who don't pay for it. There is a world of difference between a program where all pay something, like Medicare, and get something, even if at a lower return, like Social Security, and one in which those who never pay get all the benefit.
The only excuse for this previously has been dire need but this program eliminated that by actually arranging that a person with huge resources can get benefit without paying for it ever, while someone with little or no resources but who works and pays taxes does not. It pays the benefiting person to dismiss the complaints of the non-benefiting person, and thus these continuing arguments.
It comes down to those who get the freebie, even though they have more resources than those who don't qualify, love it, while those who pay for, both in money and lost benefits, and have no access to the freebies,hate it.
This shows the stupidity of a government picking and choosing which of their citizens get access to a program while expecting those who don't pay for it. There is a world of difference between a program where all pay something, like Medicare, and get something, even if at a lower return, like Social Security, and one in which those who never pay get all the benefit.
The only excuse for this previously has been dire need but this program eliminated that by actually arranging that a person with huge resources can get benefit without paying for it ever, while someone with little or no resources but who works and pays taxes does not. It pays the benefiting person to dismiss the complaints of the non-benefiting person, and thus these continuing arguments.
Oh yeah. Vicker, that comment almost earned you the gold star award.
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Bill, thank you for starting this thread. I'm just across the line here in SWPA. I signed up for ACA insurance last year. Decided to check to see what other policies might be available for next year. Went through the rigamarole and was told I was eligible for Medicaid, too, based on my income. I didn't think I'd qualify, as I couldn't believe it wouldn't be means-tested. Like you, I hold a contract for deed, have property, savings, etc.
I'll probably opt to continue with my present insurance as the premium is very low thanks to subsidies. But it's very interesting to find out I might still be eligible for Medicaid. IMO, Medicaid ought to be for the truly needy, not for those of us who have significant resources at our disposal. Like you, I have worked all my life, been self-sufficient, and never expected to be anything but. But I guess if the government wants to pay my bills, well, who am I to stop it?! :facepalm:
I'll probably opt to continue with my present insurance as the premium is very low thanks to subsidies. But it's very interesting to find out I might still be eligible for Medicaid. IMO, Medicaid ought to be for the truly needy, not for those of us who have significant resources at our disposal. Like you, I have worked all my life, been self-sufficient, and never expected to be anything but. But I guess if the government wants to pay my bills, well, who am I to stop it?! :facepalm:
chances are if you have been paying property taxes, you have been paying into Medcaid and Medicare.
40% of all my property taxes goes towards Medicaid and medicare.
If you exclude people because of their assets, then one illness wipes them out and now they qualify . What is the point, the insurance companies would now have those assets instead of those who earned them!
I thought you guys did not like anyone come and take away your money?
Is this any different than taxes? How?
40% of all my property taxes goes towards Medicaid and medicare.
If you exclude people because of their assets, then one illness wipes them out and now they qualify . What is the point, the insurance companies would now have those assets instead of those who earned them!
I thought you guys did not like anyone come and take away your money?
Is this any different than taxes? How?
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