Do you not have money to pay medical expenses? You're not alone?
- 9 Jul 2012 by sara12345
- medical, medicaid
Medicaid may be an option for you. We consulted an attorney who specializes in it and were told that there were absolutely no qualifications other than that the person requesting it have no more than $2,000 in assets. Your medical situation has nothing to do with it. Your husband's salary and assets have nothing to do with it. This was in the State of Michigan, but I'm sure that Medicaid is Federally funded.
If ObamaCare stays in place, no health insurance company can reject you for pre-exisiting illnesses. But the Republicans and Romney have vowed to eliminate ObamaCare if they get in power. That's just a fact.
Right now NO health insurance will cover any of my pre-existing illnesses. My husband makes a very good salary, but my medical expenses amount to about $200,000 a year, so it would be a problem for us. I am trying to keep my current health insurance which is through my company, but like many of us, I may lose my insurance.
You would have to give your assets to a trusted family member or someone else. It could even be your spouse.
9 Jul 2012
There is a 36 mo look back period, meaning if you divest your assets to qualify for medicaid they will go back 3 yrs to see what you got rid of and you will not be eligible for a period of time. In at least 2 states that I know of your spouses income is very much a factor.
9 Jul 2012
I have sat here and debated about whether or not I wanted to answer this. Medicaid is state funded, not Federal. Medicare is federally funded. Where, exactly, do you think the money for these programs come from? It is I and every other taxpayer that will be paying for your healthcare!! The government HAS no money, it makes no money-the money they like to throw around belongs to taxpayers-mainly middleclass taxpayers.
Many of whom are barely hanging on now! What do you suppose is going to happen when those with their hands out for "free" government money outnumber those paying in??? We are almost at that tipping point now! Do you seriously think that "Obamacare" is going to be just like the healthcare you get now, only free? If you think that then you are a fool! Do you really want the government to decide which Drs you can see and what procedures you have done? Obamacare may just decide that it is not worth it to pay for you! You may not be "cost effective". They will be gambling on life expectancy and whether or not is it worth it to give you this 200,000 a year for healthcare! It all sounds fine and good when these politicians talk about it but the reality is NOT going to be what you expect. What do you think will happen to medical research and "cutting edge" medicine and procedures? Research is money driven. If there is no money in it-there will BE no new research! All the people having CABG's now that are in their 60's and 70's? Guess what? You will not be covered for those procedures under "Obamacare" and you will die of heart disease. People wanting this scourge have NO IDEA what you are asking for here! Once it is here, it is too late! Do NOT be fooled! This is a BIG mistake! I agree that healthcare needs to be fixed but what Obama is proposing is NOT what anyone wants and it is not going to "fix" anything! I know that this is not what a lot of people want to hear but just you wait and see if this goes through! Buyers remorse is going to be wicked indeed!!
9 Jul 2012
I'm glad that you must have insurance for life that cannot be taken away. Could that be Medicare--government funded? I cannot pay my life's savings to get another health insurance policy to cover my pre-existing illnesses if I lose the one I have. Is that fair?
And yes, I do favor that poor people should be able to get medical care. We are about the last industrial country not to offer our citizens medical care. I feel for the suffering people who cannot afford medical care. These websites are filled with those people. I think that we could cut the budget in far better ways than sacrificing our population to pain and suffering.
And you are wrong that "the government decides which Drs you can see and what procedures you have done".
And the Supreme Court ruling did not exclude FEDERAL funding for Medicaid if the States do not choose to follow the less restrictive requirements for Medicaid. Maybe the States do partially fund it and maybe that explains the difference that Kaismana (sp?) is referring to with going back 36 months. (Sorry cannot look back at the previous responses. Hope I got that right.) I was not aware that Medicaid was partially funded by the States, if it is.
9 Jul 2012
Actually if you move your assets to a family member or trust it is considered defrauding the government. Already studied this and they want bank statements going back in time, look at your home, etc. check tax records.
In Wisconsin the limit is $3000 at time of application for all assets including retirement funds not yet collectible, stocks and bonds, business interests, other homes, etc. one is quite destitute to qualify. I suspect each state has their own criteria as it is a federal mandate with a state regulation within their limits.
10 Jul 2012
I looked up the funding of Medicaid. This is straight from Federal website,
"The Medicaid program is jointly funded by the federal government and states. The federal government pays states for a specified percentage of program expenditures, called the Federal Medical Assistance Percentage (FMAP).
FMAP varies by state based on criteria such as per capita income. The regular average state FMAP is 57%, but ranges from 50% in wealthier states up to 75% in states with lower per capita incomes (the maximum regular FMAP is 82 %)."
So you in Alabama have the Federal government paying probably close to 75%.
But yes, the States do have a say in the benefits and requirements.
10 Jul 2012
You aren't getting it, the federal government money is the taxpayers money. Think about it like this, I make 40,000 a yr and do not qualify for medicaid because it is my money. I am supporting myself. You have no assets but your husband does and makes 200,000 a yr. He is in all other things legally responsible for you. I can't get help on what I make, but my tax dollars, would pay for your health insurance. Tell me that makes any sense. And obamacare is not a free program by any stretch of the imagination. Federal medicaid sets the basic rules and supplies a percentage of the money. The state adds the rest. If they want to put more money into it and make it better they can, but in this day and age you aren't going to have any give aways. And michigan's own medicaid web site says the husbands income is considered. I can tell you that in virginia or pennsylvania they'd laugh you out the door.
10 Jul 2012
Hello sara. I understand and appreciate your circumstances. I had put together a previous answer, site acknowledged that I had posted it, and never did show up. Second time around. I was born and raised and worked up till my early twenties in western Europe. I've lived for years in Canada as well and now will end my final days in America. Here, in America I have gone without insurance and with insurance. The problem that is not often brought up say in Europe or Canada is that a minority is paying for a majority. In Canada (my own figures, haven't looked them up) the population is around 35 million. Labor force about 9 million. So, 26 million people are being supported by 9 million. In Europe, I have cousins who retired at age 60 (normal for them) now in thier 70's, work underneath the table a few days a week to either for pocket money, for the cafes, or to make ends meet.
It has been this way since I was born in the 40's and willo likely be like that throughout the lives of my grandchildren. No one is knocking down the doors to get Canaian or European expertise in thier treatment for thier ailments. In fact, the vast majority come to America be it for surgery, cancer treament etc. Going to end this and continue on in another post, I don't wish to lose this thread again! :-0)
10 Jul 2012
Hello sara, I'm back! My wife works the OR. The cases on any given day run as high as 60 surgeries. They begin early and often run past midnight into the new day. Medical treatment is a money maker. People do well. My wife does well. She has a good income and great benefits, paid for by the user/consumer. I use two doctors that are not part of the circle approved by the HMO. I pay a penalty each visit. The reason I mentioned that is choice. Although I pay a fine (by my chooseing) its a choice on my part. The equipment. the modern state of the art, that exists in America is second to none. I understand how difficult it is to have to make ends meet. I went without for several years, and I am still paying a few bills because of that. It goes back to a discussion about birth control. Brought up then by Lara/sweetlemon and I was the target. Only because I simply put, and still believe this, I am not going to pay for another person in this case a under graduate student to have sex.
Pay for your own birth control. I don't mind the issue, whatever it might be, but I refuse to give my tax dollars to a university student who is paying $1000's of dollars a year for her own education and then calls upon the government to supply her with birth control. Why not ask the government to pay for her education? You see what I mean sara? Where does it end. If this country goes the route of big brother, then go the entire way. Half measures will not work. Its either all in or leave the system as it is. Very best of wishes to you and your family, thanks for your ear sara, ha! :-0) pledge
10 Jul 2012
I fear that the amount of anger and rancor over this question has prevented most of the others on this site from having the nerve to place any viewpoints.
I have to take our attorney's information with some reservation now.
I understand other's viewpoints and respect them when they have been stated respectfully. I still think that medical care should be available to all in our country. I understand that most of the very few of you responding to my question disagree with that priority. That's okay.
ObamaCare has most people paying for health insurance so that the rest of us are not paying for all the ER visits from those that have no health insurance.
Yes, it's taxpayer money. I'm sure my viewpoint will send even more anger which I am sorry for. The most recent major report on the costs for wars in Iraq, Afghanistan, and Pakistan is at least $3.2-4 trillion. That's not billions, it's trillions. That is not one of my priorities as polls now show that a majority of the American public agree with me. That money could easily pay for medical care with a ton left over.
I never said that my husband makes $200,000 a year. I said that my MEDICAL EXPENSES are over $200,000 a year. I have faithfully paid for medical insurance my entire adult life, unlike many people. We would soon be in total poverty at that rate. One person acknowledged that I shouldn't be excluded from getting future insurance covering my pre-existing illnesses.
I have reservations about having posting this in the first place. This is a great website where people try to help each other. I hope that that orientation can remain.
11 Jul 2012
reddit.com/r/explainlikeimfive/comments/vb8vs/eli5_what_exactly_is_obamacare_and_what_did_it/c530lfx Hopefully the site will allow this to be published, but it is an explanation of "Obamacare", and where the money comes from. I have left out the http, and the www, so that possible you can access it by adding that to your internet site.
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