Wellness

[Josmad]

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@FLgardener wrote:

@Josmad , Gosh, thank you for your expertise.

I am confused as my adplan has recently guided me through getting on medicaid, which is now official. 

I don't understand what all that means to me. Could I save even more money by exiting my adplan completely?

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I'm not exactly sure how it works when you have Medicaid. I think it depends on how much Medicaid help you get.  But I believe if you are over 65 you must be enrolled in Medicare unless you have credible coverage through employer insurance. 

[gertrudecloset]

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@Josmad wrote:

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@FLgardener wrote:

@Josmad , Gosh, thank you for your expertise.

I am confused as my adplan has recently guided me through getting on medicaid, which is now official. 

I don't understand what all that means to me. Could I save even more money by exiting my adplan completely?

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I'm not exactly sure how it works when you have Medicaid. I think it depends on how much Medicaid help you get.  But I believe if you are over 65 you must be enrolled in Medicare unless you have credible coverage through employer insurance. 

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@FLgardener you can't drop your Medicare to just have Medicaid.  Doesn't work that way.  What happens is that whatever Medicare doesn't pick up for all of your medical needs, then Medicaid steps in to pay the rest.  You have to have a low enough income to qualify for these dual benefits.  When you see Medicare Advantage Plans that are Dual SNP, they are specifically for those who have both Medicare and Medicaid.  

Medicare can't be taken from you if you are eligible for it.  However, Medicaid is State specific, depends on your income, and also depends on how much they are going to chip in.

Some people may find out they have to pay a certain amount with their Medicare before Medicaid kicks in.  This is called a "Spend Down."  Both plans will be handled concurrently for your care by whatever Advantage Plan you join.  Most Medicaid Programs (state run) require you to join Managed Care Plans (like Advantage Plans).  

Best of luck!!!

[FLgardener]

Thanks @gertrudecloset . I need to find out if I am Dual SNP on my adplan. I don't even know what that means, but I will look into it. I know I need to keep Medicare in the mix. I just need to find out how much I need the adplan, and if it would be worth my while to drop it. I have a Freedom Health Platinum adplan, but am on no meds, have no underlying conditions I know of, have not been hospitalized since a brief overnight stay in the 80s. Of course, I know all that can change on a dime.