Yes, there are cases in which you can be dropped from Medicaid, and it can be abrupt. Medicaid has very strict requirements that relate to income and household size, as well as working hours. Every state is slightly different, but here are some good rules of thumb to follow.
Losing Medicaid eligibility can be shocking if it happens to you. It may feel like the rug has been pulled out beneath your feet. What you need to understand is that Medicaid qualifications are reevaluated monthly, and if anything changes to your income or work situation during that month may affect your eligibility.
One case in which people find themselves on Medicaid is if they have lost their job and are now on unemployment insurance. Generally, if someone has been unemployed and getting unemployment, and their family is of a certain size, then they, or at least some of their family members, will qualify for Medicaid. However, if that person takes on extra work, even something that just pays a few hundred dollars more than they’re making in unemployment, it can kick them out of Medicaid eligibility.
Note that this doesn’t always apply to everyone in the family. Often, the adults in the family will be dropped from Medicaid, but the children will still be eligible, or a pregnant mother would still be eligible. It can really vary from situation to situation.
Just don’t be surprised if you have been earning a little more than usual and you get a letter in the mail fairly quickly that says you’re no longer eligible for Medicaid.
Medicaid eligibility and health coverage are determined state-by-state, with different states having different requirements. All of the states have an equation that they use which calculates the upper limit in household income for the number of people in the household, and if you cross that state’s Medicaid threshold, you could be dropped from eligibility.
Some states, per a 2018 amendment to the law, have put into effect working requirements that may require Medicaid program recipients to work as much as 20 hours per week to remain eligible. Though these requirements vary from state to state, they will never apply to those older than 65, pregnant women, people who are legally disabled, and children.
To determine your Medicaid eligibility, contact your local Department of Health and Human Services, or Healthcare.gov for more resources.
You may be asking “I don’t qualify for Medicaid. Now what?” We can help.
Getting affordable vision and dental insurance can seem impossible. You may have been bumped off your plan, excluded from Medicare or Medicaid, or you simply haven’t been able to find affordable dental and vision insurance plans that you can afford.
We understand the frustration, and you’re not alone. Insurance companies are big faceless corporations that don’t make it easy to navigate. When you need health insurance, a dental plan, or a vision plan, the plans offered seem few and far between. It makes you wonder who can actually afford this insurance.
After struggling to find affordable insurance for dental and vision, you might think you’d be better off without it. Do you really need dental and vision plans, or are they more expensive than they’re worth?
The truth is that your vision and your dental needs are extremely important, especially for young children and seniors. Bad dental problems can lead to severe infections that don’t just give you toothaches, but can actually land you in the hospital—and if you think that dental insurance is expensive, then imagine hospital bills.
It’s been proven that the healthier your teeth are, the healthier your body will be. You’ll be able to eat better foods, you’ll be able to fight off infection, and you’ll avoid the social stigma that comes from not wanting to smile and not wanting to open your mouth in front of others.
This fear is real, and it’s debilitating. Fear of bad teeth can mean that you don’t smile enough in job interviews, so you don’t get the job you want, so you don’t get the increased paycheck you need.
As for vision benefits, you would probably be surprised at how expensive glasses and contact lenses can be, and this only gets worse as you age. Bifocals and trifocals cost hundreds of dollars just for the lenses, and that doesn’t account for the visit to the optometrist or the frames themselves. The less frequently you see the eye doctor the more likely you are to experience deteriorating vision conditions, like cataracts and glaucoma.
To get affordable insurance plans that cover eye exams and oral health and all the other important things that we’ve been talking about, Healthedly has created a resource where plans can be found. You can compare available rates from some of the top insurers at less than you would normally pay.
Healthedly works with Humana Dental and Vision, and UnitedHealthcare Dental and Vision. Each of these insurance companies work with hundreds of thousands of eye clinics and dentist offices across the country, offering you the services that will make your life significantly better and healthier.
You can get quotes in as little as ten minutes using our tools, insurance for the entire family, whether you need dental and vision insurance for young children, adults, or even affordable dental and vision insurance for seniors.
There are many places you can look online to get health insurance rate quotes, but some are better than others. It can be difficult to tell which websites are giving you truly correct information and which are giving biased information that promotes their own products. Fortunately, Healthedly has broken through the mess of disinformation and created a way to look for the best health insurance coverage without worrying about bias.
Healthedly is a clearinghouse where you can search for and access health plan information for a wealth of coverage options, from private insurance carriers to government programs to specialty health coverages like dental and vision insurance. You can even search for travel insurance, or get insurance for your entire small business. We also provide quotes for insurance relating to life and annuities.
By browsing our extensive collection of health insurance quotes online, you’ll be able to find the private health insurance quotes online that you’re looking for, but also health insurance plans, and health care services, all for monthly premiums you can afford.
The best way to make your monthly premiums cheaper for your health insurance coverage is to shop around, looking at private health insurance but also governmental programs like the Affordable Care Act (ACA) plans. You can even see if you qualify for Medicare, and learn what the requirements are for such programs.
Preventative care is also a very important way to make sure that you’re getting the best affordable health insurance. Many health insurances will give you better rates if you focus on preventative care methods, regular check-ups and tests, and lab work so major disasters don’t occur because of problems that could have been prevented.
Every health insurance company is going to tell you that they provide the best health insurance coverage. This is one area where you’re going to need to compare one plan against another. Fortunately, on Healthedly you can compare health insurance coverages side-by-side to determine what plan options you want, what kinds of out-of-pocket costs you’ll be looking at, and what is most appropriate for your household income.
Put simply, travel insurance is an insurance plan that covers unexpected expenses that occur during travel. These can range from medical coverage to travel plans to lost luggage to emergency departures.
When you become injured or ill while traveling, you may be very frustrated to know that your American health plan probably won’t cover doctor visits in foreign countries. Travel medical expenses can get very high, depending on where you are in the world, and very often your United States medical coverage policy doesn’t apply—even with health coverage like Medicare or Medicaid. Travel insurance is a type of medical coverage that will pay for medical visits, hospital stays, medications, and more while you are abroad.
There are usually provisions in travel insurance you need to be aware of. Although all travel insurance plans are different and you will want to make sure of exactly what your plan covers, some travel medical insurance plans do not cover pre-existing conditions (which is generally defined by a certain period before you take your trip, often 120 days). You often have to be deemed medically fit to travel and have no presented symptoms at the time you leave.
The travel policies also have strict time limits which coincide with the time that you are gone, basically covering your travel assistance from the time your airplane takes off to when it lands.
Generally speaking, travel insurance does not cover mental health conditions, including anything from Alzheimer’s to depression to psychosis. The insurance will usually have caveats about epidemics (with specific guidelines about COVID-19 and traveling to countries that are high-risk). They will also rarely cover injuries or illnesses caused by the use of alcohol or drugs during the trip. There will always be provisions about traveling while pregnant.
Most of the things covered by travel insurance aren’t actually medical-related. Lost luggage is a great example. If you travel halfway around the world on a three-week trip only to find that your luggage has gone missing, travel insurance can help to pay to replace it.
(The Department of Transportation requires airlines to pay for lost luggage, but very often the payout will only come after the bags are officially declared “lost” and not simply “delayed” and the payout can take up to 21 days.) Travel insurance can give you money immediately to purchase new clothes and necessities.
Flight cancellations can cause major nightmares if you don’t have travel insurance. If a connecting flight doesn’t get you to your cruise in time to board, the cruise line might only refund you 25 percent of your trip. Travel insurance can offset that loss.
The coronavirus has changed the face of travel insurance. Prior to 2020, almost all travel insurance did not cover epidemics or pandemics as part of their regular health care coverage.
With the caveat that all travel insurances are different and you must always read the fine print on any travel insurance plans before you sign, here are the general coverages that have come up with most travel insurance that covers COVID-19:
Examples of these coverages could include things like getting your trip expenses reimbursed in the event you contract COVID-19 before leaving, getting medical expenses paid for in a foreign country if you contract COVID-19 while abroad, and expenses paid to cover accommodations in a foreign country if you are not allowed to travel home. These are not covered in all travel insurance plans, but they are becoming more common.
One thing to keep an eye out for is a clause that some of the better travel insurances have which is the CFAR clause, or “Cancel For Any Reason.” CFAR has a lot of restrictions applied to it, mostly related to timeframes and eligibility requirements, but if you have this coverage you could have as much as 50-75% of your trip reimbursed by your travel insurance.
Travel medical insurance that covers COVID-19 will make it easier and cheaper to get medical care in a foreign country.
The first thing that you should do, before getting any travel medical insurance that covers COVID is to check with your current insurance carrier and see what benefits they offer for traveling abroad. Many of them will not offer any services out of the country, or perhaps will have certain countries where they do operate. You will often find your own private insurance company will have travel insurance plans that have special rates for members.
Comprehensive Travel Insurance Plans will offer you global benefits, no matter where you are. Keep in mind, however, that if you contract COVID in a country like Germany or Canada, it’s going to be significantly easier to make use of Comprehensive travel medical insurance coverage than if you get sick with COVID-19 in parts of Southeast Asia, Central America, South America, or Africa.
You will still receive the benefits of the travel insurance, but it may be harder (due to poor communication lines in certain regions of the world) to get immediate coverage to pay for things.
Emergency Medical Evacuation Coverage is designed to get you out of a foreign country if you are seriously ill or injured. These plans offer both ground transportation which will get you from wherever you are to the nearest medical facility, and, if need be, transportation to an airplane which will take you out of the country.
Because COVID-19 is so contagious, especially in the cabin of an airplane, the choice to fly you out of a region for evacuation is only done if the physicians don’t feel they can adequately treat you there.
Trip Interruption Coverage is in most travel insurance plans and provides reimbursement for pre-paid, non-refundable expenses if the travel needs to be cut short. This could include expenses like cruise ship tickets, railway tickets, and hotel accommodations.
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