Lost Your Medicaid? Here’s What to do Next?
Medicaid is a health insurance program meant for lower-income individuals and families. The type of Medicaid depends on your state.
Medicaid eligibility changes from one time to the next. Reasons you might not have Medicaid coverage include:
- High-Income Level
- Not being eligible based on immigration status
- Having a child who is not yet old enough for Medicaid
- Losing eligibility due to an event such as moving out of the state, getting married, or divorced.
- Your pregnancy ending
- Receiving a gift or an inheritance; or
- Moving to a different state which has different income limits
However, Losing Medicaid can be depressing but it isn’t the end of the world. In this post, we will discuss several options in case you’ve lost your Medicaid Health Insurance.
Affordable Care Act (ACA) Subsidized Plans after losing Medicaid
SEP (Special Enrollment Period) – A 60 Day Window after losing Medicaid:
If your Medicaid coverage is lost, a SEP opens up for you. During the SEP, you’ll be eligible for a full-featured Obamacare plan.
If you lose your Medicaid coverage, the SEP is only a 60-day window. Make sure to use tools like HealthCare.com (or other resources) to research and find an affordable plan that meets all of your needs.
There is no way to enroll in Federal Marketplace coverage without a Special Enrollment Period. Once this window closes, you will be ineligible for coverage until next year when it opens again.
If you know when your Medicaid coverage ends, sign up for a new plan now. Health insurance plans usually take effect the first day of the following month after you apply. Still, some time is needed to process the application.
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ACA (Obamacare) Discounts for People having Low to Moderate Income Levels:
Finding affordable health coverage can be daunting for anyone, but there are resources available. Depending on your income level, you may qualify for a subsidy under the ACA.
Subsidies for monthly premiums range from 0 percent to 100 percent, with 12 states leaving residents in the “Medicaid gap.”
Though you might be considered eligible for Medicaid, you can still explore if the federal government offers you discounts on insurance premiums.
Short-Term Health Coverage Plans after losing Medicaid:
Losing Medicaid coverage can put you and your family in a difficult situation. But with short-term health insurance, the transition may be easier on you and your family.
Short-Term Health Coverage Plans are a temporary solution. Therefore, If you enroll in a short-term plan and don’t switch to different health insurance coverage when the time comes, you could face penalties.
What Short-Term Health Plans do Offer?:
With these plans, you can visit the emergency room, see your primary care doctor when necessary, and go to a specialist whenever needed.
If you’ve recently lost your Medicaid, it can be challenging to find affordable health insurance. Suppose you don’t have a pre-existing condition. In that case, short-term health insurance can help bridge the gap between now and when you finally settle on a long-term solution.
Limitations on Short-Term Plans:
You might not be able to get short-term health insurance if you have a pre-existing condition. Still, these temporary policies are perfect for people who don’t yet qualify for Obamacare. Short-term plans last up to 364 days and can keep renewing themselves as long as your plan doesn’t end prematurely due to an issue with pre-existing conditions.
This passage is about how some people may need different types of healthcare coverage depending on their needs – it’s important that we’re all insured.
Reapply for Medicaid Health Insurance Program
There are several different eligibility requirements for becoming eligible for Medicaid. Some needs that qualify applicants include low-income families, pregnant women, children, the elderly, or those with disabilities. A combined partnership between federal and state governments funds this program.
If your Medicaid application is being denied or terminated, you might have a few options. There are different reasons why people have their applications rejected and coverage stopped at some point in the process. If this happened to you, review the letter carefully you received. It will list out the reason that the reviewer of your application gave.
Timelines to File an Appeal:
If your Medicaid is denied, states are required to provide an opportunity for you to appeal. When this happens, you have 90 days from the date of the denial letter to get your protest in. The best way to do this may be in person and using a “postmarked” letter that has been dated after the deadline. The process to apply for Medicaid varies by state. You may want to submit your appeal in person and have it date-stamped.
Special Enrollment for Employer Insurance:
Suppose you were waiting for your Medicaid benefits to expire before enrolling on company-sponsored health insurance. In that case, new legislation might offer more flexibility. Contact the healthcare coordinator at your employer’s organization without delay and take full advantage of this opportunity.
Careful Evaluation of Your Options can Help you Stay Covered
Losing Medicaid coverage can be scary and shocking. Still, there are steps you can take to make the process easier for yourself.
If you have lost Medicaid, don’t panic. There are many options available to you and your healthcare needs. Even if you lose insurance coverage, there are solutions to your situation at the hospital.
After being denied Medicaid or dropped from the program, you should get some type of coverage. Orders are to cover your physical and financial health — they can be worth any cost.
- Center for Medicare and Medicaid Services – www.cms.gov
- Healthcare Official Website – www.healthcare.gov
- Medicare Official Website – www.medicare.gov
- U.S. Department of Health & Human Services – www.hhs.gov