Hello all, I hope you’re staying healthy in mind and body today.
I am a 21 y/o independent full-time student in Illinois. I am very unfamiliar with the health insurance world and would be so thankful for any help /knowledge that you can share, as I’ve recently been discharged from the ER with many bills. I am currently uninsured. 2 nights ago, I presented to the ER and received services. I was told that these services could potentially be covered (despite me being uninsured today) if I qualified for financial assistance, such as Medicaid. Right now, given my income of $0.00, I would think that I am eligible.
However, there’s some complication…
Right now, according to Marketplace, I am in the initial enrollment (haven’t made payment yet, so not officially enrolled in a plan) for tax credit reductions to my premium (which means, according to Marketplace, I am ineligible for Medicaid). If I make payment today, I will be officially enrolled in an insurance program starting Oct 1.
How did this happen?
Well, in Dec. 2020, I filed for health insurance with an income of $0.00. At that time, I don’t recall what my state’s decision was regarding Medicaid eligibility, and I didn’t enroll (so, still uninsured). 2 Months later, my income situation changed, as I started working part-time; my annual income thus became around $24,000. As a result of this, I became ineligible for Medicaid. Marketplace and the state sent me mail informing me that I was no longer eligible for Medicaid (May, 2021). In July, I left my job to study and have been without income since.
However, because I was confused about Medicaid and the development of my eligibility, when I contacted Marketplace a few days ago, I told them I was rejected from Medicaid (thinking back to my May 2021 notice). The assistant, thinking that Medicaid wasn’t an option for me, therefore did her best to find the next best option–tax credit reductions to my premium. In the process, she reported my part-time income as continuing to today (?), which I’m not even sure how she did it or how it’s allowed. Therefore, my income is now, according to Marketplace, $2,000 a month, which means I’m ineligible for Medicaid.
I’m going to apply for Medicaid today but was wondering:
1) will the state reject my application because of the information that’s reported on Marketplace (an income of $2,000?)
2) if they do reject my application, is it plausible that I can successfully appeal their decision with proof of my non-income for the past 30 days?
3) I am still currently sick and needing to see a primary care doctor for follow-up testing and examinations. Should I make the payment towards the tax-credited premium plan and use that insurance starting Oct 1 to see a doctor? I’m worried that if I do, I will certainly become ineligible for Medicaid, and therefore have to pay my already-accrued ER bills out of pocket. Or,
4) Is it possible to receive attention today at a primary care doctor (not ER) and have the presently-accrued costs be covered by future Medicaid insurance after approval?
Sorry for the long post, my own thoughts are jumbled and confusing, as I am still sick and disoriented. I would greatly appreciate any help that any of you have to offer. Thanks for everything!
submitted by /u/batpiso13
[link] [comments]
Hello all, I hope you’re staying healthy in mind and body today. I am a 21 y/o independent full-time student in Illinois. I am very unfamiliar with the health insurance world and would be so thankful for any help /knowledge that you can share, as I’ve recently been discharged from the ER with many bills. I am currently uninsured. 2 nights ago, I presented to the ER and received services. I was told that these services could potentially be covered (despite me being uninsured today) if I qualified for financial assistance, such as Medicaid. Right now, given my income of $0.00, I would think that I am eligible. However, there’s some complication… Right now, according to Marketplace, I am in the initial enrollment (haven’t made payment yet, so not officially enrolled in a plan) for tax credit reductions to my premium (which means, according to Marketplace, I am ineligible for Medicaid). If I make payment today, I will be officially enrolled in an insurance program starting Oct 1. How did this happen? Well, in Dec. 2020, I filed for health insurance with an income of $0.00. At that time, I don’t recall what my state’s decision was regarding Medicaid eligibility, and I didn’t enroll (so, still uninsured). 2 Months later, my income situation changed, as I started working part-time; my annual income thus became around $24,000. As a result of this, I became ineligible for Medicaid. Marketplace and the state sent me mail informing me that I was no longer eligible for Medicaid (May, 2021). In July, I left my job to study and have been without income since. However, because I was confused about Medicaid and the development of my eligibility, when I contacted Marketplace a few days ago, I told them I was rejected from Medicaid (thinking back to my May 2021 notice). The assistant, thinking that Medicaid wasn’t an option for me, therefore did her best to find the next best option–tax credit reductions to my premium. In the process, she reported my part-time income as continuing to today (?), which I’m not even sure how she did it or how it’s allowed. Therefore, my income is now, according to Marketplace, $2,000 a month, which means I’m ineligible for Medicaid. I’m going to apply for Medicaid today but was wondering: 1) will the state reject my application because of the information that’s reported on Marketplace (an income of $2,000?) 2) if they do reject my application, is it plausible that I can successfully appeal their decision with proof of my non-income for the past 30 days? 3) I am still currently sick and needing to see a primary care doctor for follow-up testing and examinations. Should I make the payment towards the tax-credited premium plan and use that insurance starting Oct 1 to see a doctor? I’m worried that if I do, I will certainly become ineligible for Medicaid, and therefore have to pay my already-accrued ER bills out of pocket. Or, 4) Is it possible to receive attention today at a primary care doctor (not ER) and have the presently-accrued costs be covered by future Medicaid insurance after approval? Sorry for the long post, my own thoughts are jumbled and confusing, as I am still sick and disoriented. I would greatly appreciate any help that any of you have to offer. Thanks for everything!
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