Need advice for a Texan relative who has no health coverage

[SHRED]

My son-in-law's mother needs a hip replacement now. She can't wait for the ACA to take affect.

Her job doesn't provide for health insurance and I am not sure but don't know if she is Medicaid eligible. I highly doubt it. She probably makes too much.

Any programs in Texas she should check into?

thanks

[ebbie15644]

1. Don't know but I came across this

Study the laws in your state. When it comes to insurance coverage, where you live can make all the difference. For instance, some states outlaw underwriting, some allow it. Underwriting is when an insurance company looks into your medical record to see what illnesses you’ve been treated for. Your first step is to find out how things work locally. Try healthinsuranceinfo.net, from Georgetown University’s Health Policy Institute, which has summaries of each state’s insurance laws.

[Schema Thing]

2. there is a pre=existing condition State run insurance pool

she can get into immediately (I assume). Ironically, Perry is shutting it down on Jan 1 because the ACA is so much better.


It's not cheap, but she'd only need it for a couple of months. Hopefully they are still taking enrollments.


http://www.democraticunderground.com/?com=post&forum=1078&pid=13063

[NV Whino]

3. Move.

[DhhD]

4. Federal Clinics may provide a short cut to the paperwork going through the

Social Security Administration for short term disability status and Medicare. If the annual salary of the person is below proverty level then short cuts to Texas Medicaid will pick up the 20% remaining cost of the surgery after Medicare. The Texas High Risk Pool may be closing as mentioned above.

I would call the Social Security Administration and set up an appointment to discussion your loved one's condition. Anyone can be an advocate, by the ill person giving permission for the advocate to discuss the matter.

And below is the information to the Federal Clinics that can help: I believe that I heard the other day from our president that there are over 300 of these federal clinics across America.

http://www.democraticunderground.com/107812919

If the person falls, a trip to the emergency room may get Medicare/Medicaid started if the income is below the federal poverty level. In 2013, the ACA moved the poverty level to about 133% over the Texas poverty level. (Do not use Texas numbers.) Once you apply to Federal/Medicare, the fed takes over the paperwork and tells Texas Medicaid what will happen thanks again to the ACA (started in 2013). No wonder Obamacare is legally called The Patient Protection and Affordable Care Act-ACA. The Centers for Medicare/Medicaid Office is in Midland, Texas.

[dem in texas]

5. My Texas Daughter just signed up for ACA

My daughter. who lives in Arlington, Texas is self employed and has a private plan where she pays $325 a month. She has several pre-existing conditions. This is her second biggest monthly expense after her house payment.

After several tries, she was able to enroll on the ACA Exchange web site and got qualified and verified. She was able to look at the plans, but she could not purchase one. She said you could go so far on the site and then the site would not let you go any further.

She did chose one, a bronze, and she qualifies for a subsidy. When she is able to finish her enrollment and purchase the insurance, it will run her about $60 a month.

[Ilsa]

6. I have to say, that is fantastic!

ACA is going to really pump up our economy. People are going to have so much more disposable income with significantly lower payments.

[obama2terms]

7. Wow!

That's impressive!

[DhhD]

8. Center for Medicare & Medicaid may be able to fast track care for you. See the Spotlight box.

https://www.cms.gov/