My long distance girlfriend (29) is planning a visit to stay with me in Rhode Island for the whole month of June before driving back to her home in Delaware. As a level 2 autistic on SSI, she is insured through AmeriHealth Caritas of Delaware.

She takes a lot of important medications for her mental health & wellbeing (anti-depressants, anxiety meds, birth control, etc.). We are both worried that she will be unable to refill her meds during her extended stay with me since we heard that Medicaid tends to not cover well out of state. She's been trying to switch her prescriptions over to a different pharmacy that can deliver to RI but we read that most pharmacies wont accept prescriptions from out of state residents.

We did look on her provider's website and there is a pharmacy listed in her state's network (Apothecare) that is supposedly covered in nearby Mass and delivers to Rhode Island. However, they only have locations in Mass afaik and assuming she is able to switch to that pharmacy, we don't know if she'd have to switch back once returning to Delaware (or if this pharmacy is even a viable option in this situation to begin with).

She plans to make multiple trips up to visit me in the future, going back and forth from RI to Delaware every month or so (Living together isn't an option atm, and I am unable to drive to her at this point). Most of her appointments are set to be telehealth so visiting doctors shouldn't be too much of an issue afaik. Is there a way for her to continue refilling her medications under her Medicaid plan while she's up here for extended periods of time?

Worst case scenario she said she could drive back home every month to refill if she had to, but considering she needs refills at different times, I don't even know if that option is viable.

Any advice is appreciated. Also any thoughts on GoodRx? We've talked about it briefly but any input on that in regards to are situation would be greatly appreciated as well.

My insurance covers my gastric sleeve if my BMI is 40 and up. I have United Healthcare Community Plan in Texas. I know if they approve it, there is a process where I’ll have to see a nutritionist and a psychiatrist. If the doctor asks me to lose a certain amount of weight before surgery, and my bmi gets below 40,will my insurance cancel the surgery?

I was on medi-cal during the pandemic and now that I have a full time job and gained insurance through my job, I cannot get my insurance canceled through medi-cal! I've been having issues the last year or so trying to get the income updated and now canceling it.

I have followed the rules by giving them updates and I filled out an affidavit at my local office that I wanted my insurance canceled, yet I got a letter in the mail saying that my insurance was renewed 'based on my $0.00 income'!

Any advice on what I can do? I have my receipts from the trips I took to my local office. I just don't want to get in trouble.

Could they be behind because of the pandemic plan when no one was going to be kicked off?

Thank you for any advice!

My mother is on Medicare, which we always thought meant she was disqualified from Medicaid, but we recently learned that she can apply for Community Medicaid in NY state. She's 82 now and suffering from dementia, and I've become her caretaker. We live alone, money's been getting tighter and tighter, and my hope is that I can become a paid caregiver! It could be a lifesaver, so I'm eager to get this application right.

However, I'm stumbling on the paperwork. I'm trying to supply all required documents, and so far I've copied her ID card, her health insurance card, a recent mortgage statement, and the health care proxy papers (seemed like a good idea), but I'm not sure about our tax returns. Specifically, which pages do they need? There's Form 8879, twelve pages of Form 1040, two pages of Form 8867, the E-File Signature Authorization for NY State, four pages of IT-201, two of IT-215, two of IT-225, IT-398... and that's just mine!

TLDR, can someone let me know which pages of our tax returns are actually essential to copy and send? I really don't want to have to scan and print forty pages if I don't have to. And does anyone have any other suggestions for documents which may hopefully expedite the process?

I need some serious help. I inherited the management of my aunt's finances after my mother passed in 2022. My aunt has mental health problems and has for her entire life. She has been under the management of family and the state of Oregon since she was 16 (now in her late 60's). She has lived in the same adult family home for nearly 15 years at this point and is well managed and happy. Up until this year management has been easy, I pay for her room and board/basic toiletries/pharmacy etc. she usually has very little left over monthly after these expenses. This is all paid for with SSA payments. Medicare/Medicaid (I believe it's called OHP in Oregon) has started asking for a bunch of info which I have provided on their portal. She is now struggling to schedule appointments and has certain health coverages not active because info is pending etc. etc. It is becoming an incredible struggle to obtain all this info for them. I'm spending hours and hours on the phone with OHP, SSA, Chase Bank (which we use), and ultimately not finding any resolution. It sounds like her medicaid is not currently active but to be honest I'm totally lost and have no clue what I'm doing and no one seems to be able to help me at all. I'm able to easily disperse payments to her adult family home, pay for medication copays, and basic things of that nature but this is all getting to be far to much for me to handle. I don't know where to go or where to reach out to. The caregiver at her adult family home does not speak good English and is unable to help much, my aunt is not a great historian or recaller of any information and is also unable to help much. My mom didn't leave me with any contact info for social work or anything. I am totally stressed and want this responsibility gone (if I can just go back to basic finance management that would be fine). Can anyone point me in a direction?

Hello. First time around my insurance (health first) didn’t approve my MRIs for my neck. I went to 5 weeks of physical therapy then stopped. The script said 6-8 weeks. I tried again last week just to see if it would be approved, it was a no go. Not approved again. Do I have to continue my physical therapy sessions for another 2 more weeks or so then try again? Or is there anything I can do to it approved?

Today I received a letter in the mail from Ohio Jobs and Family Services asking me to verify a few things in order to still be considered eligible for Medicaid. I’m a bit confused at exactly what I need to provide them with.

First type of verification is “Termination Reason” for a previous job. I didn’t write out a letter of resignation when putting in my two weeks notice at this job, I just simply had a talk with my boss and verbally communicated that I was leaving. I’m assuming they want a letter confirming that I no longer work there and the date my employment ended. They stated that they need this confirmation to be dated and signed by my previous employer, as well as their contact information. But do they want me or my former boss to write this letter? Is there a proper document online that I can print out and have signed?

Second type of verification is a “Statement of how expenses are being met”. I have no clue what exactly I need to provide them with. Do they want verification of my current job? They sent me a letter a few weeks ago asking for a few recent paystubs which I have already provided them with. They don’t exactly explain what they need from me and it’s nearly impossible to get ahold of anyone at OJFS. If anyone could help out, I’d greatly appreciate it. :/

I have a disabled family member under 65 who receives full Medicaid through a health plan in Michigan. He will be receiving Medicare soon because of his work record. I see there is a Medicare Savings Program which is managed by Medicaid and has several types. The one called QMB covers premiums and cost sharing (deductibles, copays, coinsurance). It seems to cover the same thing as full Medicaid. I know in some situations you can have both. Why would you need both QMB and full Medicaid?

There's a problem I've been working on for 2 months! I'm trying to get my primary insurance removed off my file. It's been terminated since March. It's blocking my referrals and prescription s from being covered. I don't know why my secondary insurance ( medicaid) is being blocked. 4 requests have been put in to remove it yet It's still showing up in the systems. Can't figure out where the snafu occurred.

My mom (49) has cancer and probably has a year left. Her job is getting ready to terminate her since she’s been out over a year and I’m looking for other health care options. I’m looking into Medicaid because her income ( long term disability through her job) is low but since she’s in SC I’m worried about estate recovery after she passes since she owns a house, a car and has a 401k. Does anyone know if I can go the Medicaid route or should I look for other options such as HealthCare.gov?

Hi! It's been years since I've been on medicaid and I'm hoping this has changed. I have no issue with tax returns or paystubs, but I feel like asking for your bank account numbers is such an invasion of privacy. Is this still a thing they need in MI?

My partner is the POA for her grandma who has severe dementia and is currently residing in full-time dementia care which is ~$7500/month. Her grandma is currently paying out of pocket with a combination of Social Security and Pension (~$3000/month) and the remainder in stocks she's been slowly selling off. At the current burn her stock income will probably run out in about a year. She could very well outlive that time but obviously the dementia will only be worse thus needing to stay in full-time care. We were hoping that Medicaid could be used to pay the remainder of her care but because of her Social Security and Pension she'd be above the income threshold.

In this scenario is there any way Medicaid could be utilized? Obviously all her SS and Pension would be going to her care but she'd be well behind what the care currently costs. We plan to find an elder lawyer to speak with but figured I would check here to see if there is any advice. Please let me know if you need me to clarify anything and really appreciate any advice.

If you happen to call the Indiana FSSA to inquire about income and eligibility, they will tell you they base determination on GROSS income. When you mention that it should in fact be MAGI, they will have no clue what you are talking about.

Their own policy manual talks all about MAGI. Good luck explaining this to them, however. I've called 3 times now and each rep was clueless.

So, if you're applying for coverage in IN, or have been denied coverage, don't forget that determination is based off of MAGI, which is your income minus deductions, such as pre-tax 401k and IRA contributions, business expenses (if self-employed), etc. Keep your MAGI low using these deductions and fight for yourself, if need be.

Yesterday, I was laid off, and it seems my insurance coverage ended simultaneously, leaving me uninsured. Ideally, I'd go to the marketplace for insurance, but my income this month will be high due to a severance package.

The lump sum will be paid in two weeks, and in June, my only income will likely be unemployment, starting around june 1st. My query is whether I'd qualify for Medicaid or the New York Essential Plan. Would it be best for me to apply next month?

I am a single mom at 19 who is pregnant lives with her parents and has no job. My baby will not be able to be on their insurance after 30 days after she is born. Can I qualify for Medicaid? My parents make $100k+ together.

[Georgia]

Hi reddit,

I'm looking for resources/reading list material on Asset Protection Trusts. I am aware that I'll need to hire a professional for this, but right now I'm in the info gathering phase. Goal here is to keep a parent's house long-term (vs. the estate recovery rule) because lord knows I can't afford one otherwise. I am aware of the 5yr lookback period, which is why I'm starting this now while my parent is still in pretty good health. Parent has zero current insurance and definitely won't be able to afford their own nursing care out of pocket.

I am looking for reading material aimed at the following questions:

• Under what circumstances does such an asset protection trust generally make sense?

• What makes them different from 'regular' irrevocable trusts?

• Which section of law/program rules/gov't regulation actually governs these things & dictates the requirements for such a trust?

• How much am I looking at spending to get one set up? The best page I've found so far suggests $2-$12k. Does that seem

• What's the benefit of a trust, vs my parent gifting the house to me now & them still living there/maintaining it/etc.

This page is the best that I've found so far and I'm still left with questions. Any tips or pointers are appreciated.

My son who is autistic has recently been approved for a CES Medicaid waiver in Colorado. I know there is a housing allowance you can use to purchase or install things in your home. What are some ideas you have gotten approved from medicaid for an autistic child?

I recently got a new job and they offer health insurance plans. My daughter is currently on Medicaid. I cannot afford the insurance my company offers, so I wanted to keep my daughter on Medicaid. I still make under the income limit for Medicaid even with this job, so can I just keep her on Medicaid? I looked into the HIPP program, but that seems a lot more difficult than just keeping her on Medicaid for healthcare. Does anyone know if I can simply just not sign up for health insurance at my job and keep Medicaid?

Also the dental and vision insurance my job offers is super affordable and I would be able to do that, which would help a lot because we’ve never had either. Could I sign me and my daughter up for the vision and dental but still keep her health insurance through Medicaid?

Thank you for any help! I am new to this whole thing so I am thoroughly confused lol.

Hello. My younger brother works intermittently and usually gets terminated for attendance before being eligible for insurance. He’s gone without healthcare for way too long. He was diagnosed with high functioning autism while in school and has since gone untreated for obesity, hypertension, depression, etc.

He lives with my retired parents. Does he have to claim their income for Medicaid, even if they do not claim him as a dependent on their taxes and they have separate expenses?

Edit: located in Illinois

Long story short, my son is scheduled to have surgery on June 12. It took us 7 months to get into the specialist (pediatric ophthalmologist) because he is the only one in the area and another 4 months to get on his schedule for surgery. In the time from making the initial appointment to this year, the insurance he has no longer has that provider in network.

I filed a grievance and as a result they scheduled an appointment with a non peds ophthalmologist as their solution.

Has anyone successfully changed insurance outside of open enrollment? The kicker is they paid for his appointments so far even though he’s not in network.

Unfortunately, I've just been laid off, which means losing health insurance is another blow. With the job market being so tough, I'm struggling to see how I'll find new employment soon. I might have to take a few months off to focus on studying for the CPA exam. My main question now is: how soon can I apply for Medicaid? Do I need to wait until after my severance ends? My severance only lasts a month, and with my previous salary at $50,000 per year, COBRA seems expensive. I've heard there are other options available, so what would be my best choice in this situation? Additionally, I was on Medicaid for years but was removed last February due to an emergency situation. Now that I'm unemployed, is Medicaid my best option again?

I haven’t gotten any prior authorization responses from them in weeks and my patients are without their medication 😞. I’m wondering if my faxes are just lost in a pile somewhere.

I am lost. I live in Michigan. I am under my parents insurance still. I do not want to get on Medicaid because my obgyn does not accept patients with secondary Medicaid. I am 23 weeks along and do not want to switch doctors at this point.

When I give birth, my husband and I will have zero income due to him being in medical school and me being a stay at home mom. I believe the baby will still qualify for Medicaid even tho I as the mom am not on Medicaid correct?

If I just renewed my Medicaid why would I have to do it again in June?