How do Medicaid Insurance Plans Work?

In Connecticut, Medicaid plans are called HUSKY Health. There are different HUSKY Health plans depending upon who needs services. These plans can cover much of the medical care that a person needs, often with low co-payments or with no costs at all to patients. 

HUSKY Health may be the only insurance option for seniors which covers their essential care. Medicare and private health insurance coverage offer only limited payments for nursing home care and provide this care only when people need temporary skilled medical services. Seniors who need nursing care covered and seniors who need help paying for Medicare premiums and other miscellaneous health expenditures should consider determining if they can qualify for Medicaid coverage.

Nirenstein, Horowitz & Associates understands how Medicaid plans work and we can provide you with help in getting qualified and getting coverage. Give us a call at 860-548-1000 to find out more about how HUSKY Health works and to make sure you can get coverage from Medicaid plans in Connecticut when you need help.

How Do Medicaid Insurance Plans Work?

In Connecticut, there are several primary Medicaid insurance plans. These plans include:

• HUSKY A, which is available to women who are pregnant, to low income children, and to low income parents or caregivers.
• HUSKY B, which is also called CHIP. CHIP provides coverage for children whose parents’ household income is too high to qualify for HUSKY A but who still need coverage.
• HUSKY C, which provides coverage for the disabled, for the blind, and for seniors.
• MED-Connect, which provides coverage for employees who have disabilities.
• HUSKY D, which offers coverage to childless adults who have low income.

According to the Connecticut Mirror, Medicaid pays out more than $6 billion per year in Connecticut to provide healthcare coverage to those who need care. Medicaid pays for many different things. It can pick up Medicare premium costs and co-insurance costs for seniors. It can also cover things that Medicaid does not cover. In particular, and most importantly for seniors, Medicaid will pay for nursing home care for seniors who need routine custodial care because they are no longer able to live on their own.

It is important for seniors, and others who need help paying for medical bills, to understand how Medicaid plans work. You will need to apply for Medicaid benefits, provide proof of eligibility, and become approved. Once you qualify for Medicaid, you need to go to a doctor who accepts Medicaid patients and who will provide the services that you need.

Medicaid will pay for the covered care that you receive, sometimes with small copays depending upon the kinds of services that are being obtained. It is also possible for Medicaid patients to get transportation to medical appointments under certain circumstances, which can make taking care of your health easier.

Qualifying for Medicaid

To qualify for any type of Medicaid plans in Connecticut, you must meet both income limits and resource limits. This means you have to be a low income family with limited household resources. Many seniors do not have a lot of money coming into their homes because they are not able to work. However, they may have a house and other assets that they have acquired over the course of a lifetime of working hard. This can all be lost if you don’t qualify for Medicaid due to having too many resources. You could be forced to spend your life savings on care that you need, before eventually qualifying for Medicaid.

There are ways to take advantage of Medicaid insurance plans sooner, but you need to make provisions well in advance of the time that you need care so you can protect your assets. Nirenstein, Horowitz & Associates can help you with Medicaid planning so you can get the coverage that you need.

Getting Help from A Connecticut Medicaid Planning Lawyer

Nirenstein, Horowitz & Associates can provide you with assistance in qualifying for Medicaid coverage. We can help you to understand what types of Medicaid insurance plans may be available to you and we can help you to take steps to protect assets so you can qualify for needed coverage without losing all that you have worked for during the course of your life.

To find out more about the importance of Medicaid planning, join us for a free seminar. You can also give us a call at 860-548-1000 or contact us online to speak with a member of our legal team to discover more about the ways in which we can help you to make your plans.