Medicaid Question.....

daiquirri

I'm wondering if anyone has experience, or can tell me....Because I do work, and have insurance, would I still possibly qualify for medicaid??  I got my bill for the next 5 months of visits: 2,500$$, Dr office said i could make 500$ payments a month!  But that is just not realistic in my world.  Being as work doesnt pay you to be off work for 6 weeks and im trying to save money to pay the bills that arent going to stop coming. 

In other words just wondering if having a job and insurance, theres still a possibility for medicaid assistance??

txdaisygal

I'm 99.9% sure that if you have a job you cannot qualify for Medicaid. Additionally, your income from your job would probably disqualify you anyway.

daiquirri

wow, what a huge bummer!!! Either go with out a job/insurance, and have it ALL PAID, or work, and pay tons more!!!!

MayorMcCheese000

Just get yourself laid off, then you can collect un-employment AND medicaid! LOL

JOEBunny

I do think they have programs for pregnant women who work.  It is different here for pregnant women and infants than for "regular" people.  I would call and ask.  It can't hurt.

You can probably also write off your insurance expenses on your taxes, which may or may not help you. If you spend more than X% of your income on insurance/healthcare, then you can write it off (meaning that you don't pay taxes on that portion of your income) which may help a little or not, if you don't pay much tax anyway.

You really don't want to go without insurance now, you will pay a lot more than $2500.

 

JOEBunny

https://peak.state.co.us/selfservice/

It looks like in your state you might have to make less than about $13,000 a year if you are single.  Here it is about $20,500

You can check your eligablity at the link above.

 

EmilieE23

I have a job and I qualified for Medicade.  However, I work as a server and don't have the greatest income.  Even though we have a dual income household, he works in landscaping/lawn care so he's laid off for part of the year.  That helped me qualify.  I don't think that you can get Medicade if you already have insurance through work though.

 If I were you I'd take a weekday morning and go to your local office to find out.  You'll probably have to go, sign in and sit for a few hours before they call your name, so be sure to bring a book, an MP3 player or something to keep you occupied for the time you're there.  You may be denied, but you won't truly know until you try.

EmilieE23

As far as applying goes, I had to bring my birth certificate, photo ID, recent bill in my name stating my address and my last 3 months of pay stubs.  I'm not sure what Colorado requires, but you should be able to fax them any other info they need.

EmilieE23

From what I understand, there are a decent amount of places that are altering or completely stopping their unemployment benefits.  I know my aunt in NY just lost hers and they've even stopped paying people who are only 10 weeks into their benefits.  Here in KY they're stopping any extentions, but I think they're still paying people for up to 26 weeks or something like that.

axh2277

In Mass there is a state program that is supplemental to your insurance so it pays anything your insurance doesn't cover - copays for office visits and medications as well as hospitalizations.  When I was working as a server and DH was laid off we had his Cobra for the three of us and DS qualified for the supplemental state program because he has chronic medical conditions.  It was a lifesaver when he was hospitalized and we had a $1500K deductible for hospital stay.  Good luck!

heatherglen814

txdaisygal:

I'm 99.9% sure that if you have a job you cannot qualify for Medicaid. Additionally, your income from your job would probably disqualify you anyway.

This is completely untrue. Pregnant women have a totally different qualifications for Medicaid. Search your state's health insurance programs. If you can't get Medicaid, you might qualify for some low-cost health insurance. 

txdaisygal

heatherglen814:

txdaisygal:

I'm 99.9% sure that if you have a job you cannot qualify for Medicaid. Additionally, your income from your job would probably disqualify you anyway.

This is completely untrue. Pregnant women have a totally different qualifications for Medicaid. Search your state's health insurance programs. If you can't get Medicaid, you might qualify for some low-cost health insurance. 

That may be true in some states. Since Medicaid is state-administered, it varies. In Texas, where I live, there are two programs for pregnant women. For one, the income limit for a family of 2 is around $25K a year...which maybe I falsely assume the OP would exceed. For the other program, having existing health coverage disqualifies you.

makclair

heatherglen814:

txdaisygal:

I'm 99.9% sure that if you have a job you cannot qualify for Medicaid. Additionally, your income from your job would probably disqualify you anyway.

This is completely untrue. Pregnant women have a totally different qualifications for Medicaid. Search your state's health insurance programs. If you can't get Medicaid, you might qualify for some low-cost health insurance. 

agreed.

 

The pregnancy qualifications/income limits are MUCH higher than other medicaid. SO go ahead and apply.

heatherglen814

Also, in Florida if you qualify for Medicaid, your child will be covered a year after they are born, but you are only covered 6 weeks after giving birth, unless you still qualify for renewal. AND check with your hospital to make sure ALL of the tests, etc. are covered. At our hospital, we were told when we registered that the hearing test might not be covered. It's $128, so that's something we've had to save for, just in case it's not covered.

Good luck! 

daiquirri

Thank you all for your input!!! I have begun the 30 page application, and can only hope for some assistance!!!! Last thing I want to do is stress over how I'm going to make these monthly payments to see a doctor!

wheelenl

Where I live there is a prenatal clinic of sorts that is just for moms like you. I would definitely do some research in your area. It's in everyone's best interest for a mom to get good prenatal care.

dulcinea03

YGPM

rhythmicgoldfish

in New Hampshire and many other states we have a program called healthy kids that helps pregnant women and insures young children it will cover you retro actively (based on your income) for three months

 a better option since you are insured would be to contact the hospital your doctor is affiliated with and look into the financial aide that they offer are these bills you have already racked up or an estimate for what you will have to pay? often the financial aide that hospitals offer is on a sliding scale and for a more reasonable income bracket

daiquirri

UPDATE:::  I didnt end up qualifying!!! After feeling sorry for myself and crying for 3 days, due to clearing out my savings account just to go to my dr appointment....I'm ready to be positive and do the best I can!!  Still devastated, but just another obstacle in the game of life.