Can you get a medical card if you have insurance?

Question

We have insurance but there is a huge deductible can my husband drop me from his insurance so i could get one?

Answer 1

What do you mean by a "medical card"?  How would DROPPING you from his insurance get you a "medical card"?

Answer 2

Are you talking about a "discount card"?

If so...those things are worthless.

I work for a hospital system that doesn't accept them.  (Even though most of the discount card companies list us as "providers"...no idea where those rip off artists get off thinking they can use our name.)  However, *any* patient who is going to self-pay for their own bill can negotiate a cash price on their own.

Its not difficult - there is a sliding income scale.  If your household income is X per year, then you get Y% off your bill.  Not a complicated negotiation for the patient, and I guarantee they get a better deal than those so-called "discount cards."

BTW - if you have an insurance policy, you're already getting the benefit of your insurance company's discount.  (Even if you have to pay the deductible, you're still paying the discounted amount your insurer negotiated.)  Guaranteed those deals are a *h**l* of a lot better than any discount card could ever pretend to offer and scam you out of.

Edit to add:  Since you're talking about Medicaid...first you need to figure out if you'd even be eligible for Medicaid income wise.  They go by your household income and may also consider the fact that you have access to health insurance but chose to decline it.  Contact your local Medicaid office before taking any drastic actions like dropping your insurance.

Answer 3

I don't know if it is the same in all states, but in PA you can have medicaid and a commercial insurance.  I work for a commercial health insurance company ands lots of our members have medicaid as a secondary insurance. In PA medicaid is always secondary, that means that the commercial insurance would pay claims first, any patient liability can then be send to medicaid as secondary.

The best thing to do is call your local medicaid/welfare office.

Answer 4

You could get Consumer Choice by Pan AM.  They are very reasonable.