Skip to comments.Healthcare Question about Medicaid (vanity)
Posted on 06/28/2014 3:32:55 PM PDT by sneakers
I need help and advice from my fellow freepers. The situation is this: recently, son and wife had a baby. Her health care covered their family and all expenses, but they couldn't afford a baby sitter, even on their combined salaries so she had to quit, so son quit a job which he loved and they moved to be near us, He lined up a job relatively quickly, but it is seasonal and no benefits. It's meant to tide them over until he gets a better job. Baby is past due for her checkups (thank goodness she's healthy). So son and wife applied for the Chip program to get health care for baby, but are told they are making too LITTLE. So, the people at CHIP are referring them to Medicaid! Son is fit to be tied! Neither of them wants to go on Medicaid, but worry about the baby being covered.
So today, son learns that he may have a shot at a very good paying job - with benefits, but he doesn't know when the opening will come up and they may have to go on Medicaid in the meantime until those benefits kick in - assuming he gets the job. My question is - and this is what he's worried about - if he gets this job, and they are forced onto Medicaid, can he drop the Medicaid and go with the company healthcare package? I am reading that it's hard to get off of it?? This is what he is afraid of - that there is no going back if they go on Medicaid.
Please, if anybody knows, I would appreciate input from my Free Republic friends.
He could pay cash for the services he might receive from a doctor. Otherwise just skip the stuff that’s not necessary until he can provide for it or get insurance.
They don’t have the cash. We are helping as much as we can - food, his car payment, etc. With the checkup and all grandbaby’s shots, it will be around $500. Personally, I think grandbaby will be fine, but son and wife - new parents - are worried. I just can’t imagine that they could FORCE them onto Medicaid. Could they?
Depends on what state they are living in.
Now that they are back, DIL is looking for a part time job. Mr S and I could babysit when both of them are working. If she lined up a job, that would pay the pediatricians bill. I hope they hold off on the medicaid thing until then.
UGH, I hate this whole ‘(un)affordable healthcare’ thing!!
Pennsylvania. WE have a governor with no backbone.
My guess is that if their income goes up they will no longer qualify for medicaid.
I don’t know what state you are in, but many states have (or had) health care plans for kids. I know a lot of people in NJ don’t have insurance but their kids are covered through a State program (not medicaid, which is Fed’l)
I really hope he gets the job. It’s good they are close to you now.
To ease their worries, I would just put the baby on Medicaid. Let God worry about getting off of it when the time comes. Know they did the right thing in her staying at home with the child, have faith God will take care of the rest. I know it is easy to say but God created that child and He will take care of that child.
You r a good grandparent, they r lucky to have you!
there are many clinics in our area that offer free health services and vaccination etc for kids and seniors- staffed by doctors who volunteer. Or they charge on a sliding scale. Beats going on MEDICAID
I pay cash now for my kids pediatrician since our TRICARE plan sucks. The price is not expensive. It costs a lot more when the car breaks down
” if he gets this job, and they are forced onto Medicaid, can he drop the Medicaid and go with the company healthcare package?”
I seriously doubt this. I would think he would need to report if he got a good job and get off Medicaid.
Hope that better job opens up soon and your son will get it.
What about this big obamacare deal — they should be able to get some subsidized insurance.
Believe it or not, they make too little for the Chip program in Pa.
Thank you for your kind and encouraging words. :-)
I guess I see how that makes sense, those are “gap” programs for people who make too much for medicaid.
I honestly don’t think you can get “trapped” in medicaid. The baby needs to get the shots, etc. And believe me, if heaven forefend something bad happened to your son or d-i-l in their current financial situation they would be immediately enrolled in medicare.
I was just on unemployment for a year, I did not feel guilty about it, I paid good money into that system for almost 40 years.
I forgot to add I will be praying that he finds a job soon. I know the stress of it all can be overwhelming, especially with a new baby.
Call the local large hospital and ask for the Business office Medicaid eligibility expert .Be somewhat assertive .
All major hospitals have an onsite person who gets recent patients signed up for Medicaid usually located in the ER.
Many times its also the hospital Case Managers who will be able to tell you about eligibility etc..
They can tell you about PA Medicaid eligibility.
Most state Medicaid plans cover only Mothers and Babies.
with the babies having complete coverage.
Yea, they can’t afford that baby. That is not our concern, Grandpa, that is yours. Now go away!
I just did some checking
Our local Salvation Army center runs a free/low cost health clinic
Our CVS pharmacy has a “Minute Clinic” that has an ala carte menu for services, minor procdeures, exams, and vaccinations. A basic physical exam is $59. My dd will have camp physical next week for $35
Our County Health department has free immunizations and vaccines for kids under age 19. $10 donation is appreciated but not required for service.
check your local area for free medical clinics or call yr county Health Department for suggestions
Thank you! I’ll call the hospital on Monday. I want to know what the medicaid person has to say!
Actually, it’s grandMA! LOL!
Ignore those with unkind words. I am always shocked by what our fellow Freepers say to one another!! Families should stick together. You have already been blessed by having a healthy baby, which I am sure u know.
Looks like in PA the physician plays a big roles in determining if they can apply for medicaid.
Son and wife are taking baby to the pediatrician who was my son’s doctor from the time he was born. But baby comes first and they should find out, before jumping into medicaid, if the doc takes medicaid patients. If not, the suggestions you gave are worth checking into. Thank you!
One last thought to consider...and anyone can correct me if I am mistaken...
but I thought under 0bamacare, if you took Medicaid and then got off it later...you had to pay it back.
Oh GREAT! Just what they need! I’ll be checking on that one and relaying he information to son and wife. I hope he gets that new job!
I don’t understand your scruples about SCHIP vs. Medicaid. Both are government programs. What is the big difference?
It is “hard to get off Medicaid?” What does that mean?
The baby needs to see a good pediatrician. I would not have any hesitation about signing a baby up for Medicaid if that is all she qualifies for.
check your local area for free medical clinics or call yr county Health Department for suggestions
Excellent suggestion!! We had friends who utilized these reduced cost services, for their kids, when they were with young ones...and in between jobs or working jobs without benefits.
Maybe you can pitch in to cover the cost (of immunizations), or babysit...or both, until they get on their feet with jobs that have benefits. Wishing you — and your son’s new little family — all the best ;)
So they can't afford the child they made, So Grandma, Baby Sit, Why is it our problem to pay for?
Thanks iowamark. My sister in law had her kids on Chip and when she got a job with benefits, she and her husband transferred her kids over to that. I was not so sure about Medicaid. I guess I am just not familiar with how these things work, and son is afraid that they could get trapped into something they can’t get out of. I’ll be checking out the options that others on this list suggested. You are right; baby should have the care she needs to stay healthy.
Doing much of the above. THank you for the good wishes. Things happen unexpectedly. They will get through this! We are helping where we can, and so is DIL’s mom.
I believe the issue is not that they get booted off medicaid by too much income - they certainly will be, but that the govt will thereafter require they go on obamacare insurance and there are no other options.
>>if you took Medicaid and then got off it later...you had to pay it back<<
That has to be funniest thing I’ve read all day.
Pay what back? The Government can’t even find Lerner’s “lost” Emails, how would they find out you took you Kid the “Medicaid” Doctor because he had a Boo Boo?
This is how Urban Legends are born.
Each state has its own medicaid requirements. I see nothing wrong with them applying for it, I would rather help them out than all those coming across the borders right now. You and they have paid in taxes. During some hard times, get the help.
Where I live the Catholic Church runs a service called New Beginnings for moms and babies. It’s managed by the local Catholic hospital. Is there a Catholic hospital near you?
When he gets the job and the coverage notify the county Medicaid office that he has other coverage and go to a real doctor.
Well, aren’t you just a ray of sunshine! Bless your heart!
You are a tiny bit cranky this evening...ain’t cha?
Thank you!! That is EXACTLY the issue! Son was concerned that, if they were put on medicaid, that they would not be able to get off of it! He and wife don’t want any part of Obamacare, and would gladly pay for the doctor themselves if they were in a position to do so right now. They don’t want any part of the government dole! Son will gladly pay into a healthcare program provided through his employer.
Please pray that son gets the job he’s after. He was raised that a man works and supports his family. He wants to do just that.
Of course they can.
Up to now they (the flying monkeys of the Omugabe regime) have been able to do pretty much whatever they please. And get away with it.
Nothing that is evident suggests that might change in the near future.
Remember, also that Medicaid for anyone with any real paper worth, or with prospects of future worth, that worth, in whatever form is mortgaged to the Medicaid system, subject to future reimbursement. With interest? Nobody knows.
70,000 pages of regulations, and growing, is not yet enough.
they can get off, he might have to pay the state back for any benefits they receive and should
I agree with the ‘should’.
In concept, if someone does not want to be on Medicaid, they cannot be fored onto or kept on it. In practice though, some large institutional providers like hospitals and nursing homes include in their forms provisions for the institution to apply for Medicaid coverage on the patient's behalf if that is necessary in order to get paid.
Stories about being forced or kept on Medicaid usually stem from a finance clerk at a provider like a hospital or nursing home arranging for a patient's Medicaid enrollment so the provider can get paid. In some cases, this may be unnecessary and unwanted because other medical coverage applies or a family member is willing and able to pay the bills.
If a provider insists on Medicaid coverage being applied for in spite of payment otherwise being offered, the patient and their family have a remedy: walk out, go somewhere else for treatment, and make payment arrangements that avoid the prospect of an unwanted Medicaid enrollment.
“Remember, also that Medicaid for anyone with any real paper worth, or with prospects of future worth, that worth, in whatever form is mortgaged to the Medicaid system, subject to future reimbursement “
Uh,uh. The asset forfeiture is only for seniors.
Thank you, everybody, for your suggestions and input. I knew I could count on a lot of information and opinions to ponder and share with son and DIL.
Again, I ask prayers for my son that he lands this job.
Your guess is right on the money.
We (my wife and I) had two children living with us and as a condition of legal guardianship, we had to have them on Medicaid, as soon as we adopted them, they were removed from it because of our family income.
The real kicker here is that my wife and I didn't want them to be on Medicaid from day 1 and our primary insurer was perfectly willing to add them to our family plan at no extra cost as long as we were their legal guardians. The state (Illinois) demanded that we not remove them.
After the adoption was final, the state quickly removed them.
Yeah that's true. Medicaid although funded with federal funds is a state ran program. In some states the County Health Departments do inoculations. IIRC when I was a kid our doctor told my parents to take me there because they would keep the records the school would need. That was over 50 years ago though and on the heels of the nation recovering from the Polio epidemic. Dad had insurance.
At a minimum and this is a guess in this case it may be simply the baby is placed on Medicaid but not the parents. Some states do that. Another thing to look for is groups who run health care clinics at greatly reduced price or on ability to pay.
Short term I wouldn't worry too much. IF the child does get seriously ill there is always the emergency room and payments despite threatening letters can be worked out to where it doesn't break their bank account.
Let me see if I understand you. When you were the legal guardians, but not yet the parents, of the children the state insisted they stay on medicaid, but once you did become their parents they were willing to take them off, or actually insisted they be taken off medicaid, is that correct?
That’s a little silly, I suppose, but I can kind of understand it. I can see how the state still has some role to play when a person is a legal guardian and how that role for the state ends when the person becomes the adopted parent.
Your insurance plan may have allowed this, but others might not have (that is just a guess on my part) and I’m sure it is just easier to have the same system in place for all children who are in a guardianship situation.