Spend down on Medicaid? - Mothering Forums

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Old 06-29-2009, 11:52 PM - Thread Starter
 
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My husband is on disability, and so we have to apply for medicaid for medical insurance.

They're talking about a "spend down" depending onthe budget they prepare for us. But, they don't take into consideration car payments or insurance (which is required where we live) and other living expenses. Just rent and utilities. The excess amount after rent/utilities seems to be the amount we'd have to put towards insurance on the spend down before the insurance would cover rhe rest.

Is this normal for people on disability (SSDI)? I never encountered this when we lived in MI before, I did when we lived in OH but the case worker told us she fixed it (didnt' tell us how) and we were back to no copays or anything out of pocket for insurance. Before our last caseworker changed his application, she told my husband that if we can't afford the spend down, to have him admit himself to the hospital each month (which would be well over the spend down amt.), then refill his prescriptions which would be covered by the insurance. She said if we jsut submit a hospital bill, which we have no intention of paying (simply couldn't), she could use that to activate his insurance for the month. And she told us to do this every. single. month.

my husbands disability requires monthly doctor visits and prescription medication, or he ends up in the hosptial without fail. We applied today in MI for medical insurance and were told there would definitely be a spend down, according to our budget.

There is no wiggle room in our budget (but we do have things they won't include such as car payments and car insurance, and items that have a ... I can't just sell my van, nothing seems to be selling right now, and we're a family with four small children and no child care. I can't imagine taking a bus everywhere we need to go. That may sound spoiled, and maybe it is, but the logistics of toting around a double stroller and trying to fit enough grocerys into it to feed us doesn't seem possible?) Are there other options? Any idea what our previous case worker might have done to eliminate the spend down that we might ask our current caseworker to look into?

Any assistance with prescription medication? Even if it was just help with the medication woudl b fine, we could probably cover the monthly visit out of pocket to the doc, but the prescriptions kill us (over $2000 a month for everything).

Suggestions, please? I need to start looking into things asap.
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Old 06-30-2009, 12:16 AM
 
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I don't have answers but wanted to give a

Resistance is futile Matey
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Old 06-30-2009, 01:34 AM
 
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How much is the spend down going to be? Healthcare in the US sucks. We're in a forced pattern of poverty for the time being b/c our DD requires life saving medical stuff that isn't required to be covered by insurance. I've not found a state that would figure in car expenses b/c they aren't considered a necessity. For us I know we've been given certain calculations, like if we make more than 2500$ a month, 1/2 of every dollar is taken directly off DD"s SSI payments. BUt, if we're on unemployment insurance, we get docked b/c its "unearned" income so we can only make like 1300$ before it starts to come off dollar for dollar.
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