re:Health Care Bill for Disability & Low income
PRC
income and the disabled ? Will the people that are on medicare and
medicaid continue with it? Will medicare advantage be removed ? What
exactly will be covered ?
Exactly where in the bill are the disabled mentioned ?
Can't seem to find an answer to these questions?
Relayer
Medicaid is much better than Medicare so why do you care? If you have
a choice of one or the other, it's Medicaid (although I think it
should be the other way around)
George
Generally, if you qualify for medicaid and medicare you should have
both. I believe in this case, medicare is the primary insurance and
medicaid picks up things medicare does not -- like co-pays and meds. I
believe medicaid in most states will require you to keep your medicare
and will even pay the medicare premium. I would expect any health care
bill will not change this
Nonna Yabisness
<a9f6d59d-ae14-4c04...@u7g2000yqm.googlegroups.com>,
Relayer <relay...@aol.com> wrote:
>
> Medicaid is much better than Medicare so why do you care? If you have
> a choice of one or the other, it's Medicaid (although I think it
> should be the other way around)
Not necessarily.
They serve two different segments of medical need.
I used to be a dual eligible, meaning that I received Medicare and
Medicaid.
In this case, my Medicare premium was paid by the state Medicaid
system. They also picked up select RX meds that Medicare Part D did
not, i.e. not in the approved formulary.
When my spouse was able to get some part time work, it all changed.
My spouse lost Medicaid, which was expected, and she then had to take
the state facilitated health care at a cost. That is more than
reasonable.
However the state here also looks at income by the household - not
individuals. So I also lost my Medicaid.
This now means that my spouse has to lay out cash for her own health
insurance. And again that was expected.
However, I now have to pick up my Medicare Part B premium (which now
comes right off the top - I never see it) and my Part D premium, and
goodbye to the non-covered meds.
The result is pretty much indentured servitude for my spouse just to
pay for the med coverages.
If my spouse quit, we'd be out the few bucks we have extra now but all
of our medical coverage would be taken care of.
Some incentive.
Making matters worse, the state Medicaid program calculates your gross
income from your SSDI check... not the net. Medicare Part B takes
close to $100 off the top that I never see but Medicaid doesn't care.
They go by what you are *supposed* to be getting - not what you
actually get in hand. To them its "tough luck Charlie."
--
Nonna
George
wrote:
> In article
> <a9f6d59d-ae14-4c04-9d62-3d234364b...@u7g2000yqm.googlegroups.com>,
Sorry this made things difficult for you, but you need to understand
two things. First, medicaid is for people very poor with little income
and virtually no assets. Secondly, of course they consider a spouses
income. A spouse is legally responsible for supporting you. Their
money is your money, yours is theirs. Just like if they run up a bill
you are equally responsible or if they win the lottery you are
entitled to that money.
Medicaid has little to do with a person being disabled. It's
eligibility is based on income and assets.
For the record, medicaid differs fro long tern care (Nursing Home)
situations. In those, a spouse in the community can keep the family
home and a considerable amount of joint assets.
Nonna Yabisness
<2536a2cd-4776-4a39...@b2g2000yqi.googlegroups.com>,
George <gdev...@yahoo.com> wrote:
> Sorry this made things difficult for you, but you need to understand
> two things. First, medicaid is for people very poor with little income
> and virtually no assets. Secondly, of course they consider a spouses
> income. A spouse is legally responsible for supporting you. Their
> money is your money, yours is theirs. Just like if they run up a bill
> you are equally responsible or if they win the lottery you are
> entitled to that money.
>
Not in every state however.
Laws vary.
--
Nonna
Relayer
Every drug and treatment covered by Medicare is also covered by
Medicaid but not the other way around. A drug I wish I could take has
a $30K a month co-pay with Medicare and $0 with Medicaid. Another that
isn't even covered by Medicare is totally covered by Medicaid. So are
some services. When I say "some", just those that pertain to my
situation. I am sure there are a 1000 other examples. Same with also
being eligible for assistance with living expenses etc. And SSDI is my
only income.
PRC
do not answer my questions. I am single male. On SSI and SSDI,
medicare & medicare. That is my status. I am using Medicare Advanage
policy the insurance company pay's both medicare and medicare billing
process. So when I go to my PCP I have not copayment even through my
PCP does not take medicaid. Yes I know about medicaid paying for meds
that medicare does not cover. I think it's called "rap around" it
fills in areas medicare does not cover.
My orginally focused on what is the new health care bill going to do
for the people that are disabled or low income on medicaid and or
medicare ? I read the health bill both the house and the senate and it
mentions low income and it seems to be positive, but I have not
completly disgested how its going to help us. So if anyone has read
the bill in this area please comment on what is being planned ... ever
through there might be some give and take on the final bill.. it's
basicly going to stay the same.
Jack, can explain what the house bill just passed will benefit the low
income and the disabled ? Will the people that are on medicare and
medicaid continue with it? Will medicare advantage be removed ? What
exactly will be covered ?
Exactly where in the bill are the disabled mentioned ?
Can't seem to find an answer to these questions?
I don't have a choice on medicare.. I reached the two year time
period.. so I was taken off the nice plan that I was on and put into
Medicare Advanage program.. that included both medicare and medicaid.
These are the rules in NY State. If I had my choice I would go for
medicaid. As the costs were lower.