I have medacaid, if I get other insurance, whats going to happen?

Question

I am currently 7 months pregnant and have medacaid. I am starting a full time job next week, and will be signing up for insurance. The insurance only cover 80% of my labor/delivery and I have to pay $25 copays for doctors office and $50 for hospital. I cant afford that!! Can i continue to use my medacaid for my insurance throughout the rest of my pregnancy? Do I have to report that I have other insurance or will they find out? Im afraid they will kick me off medacaid and I wont be able to afford the bills for the pregnancy....

My income will be over $26,000 annually but not more than $30,000...is that too high for medacaid?

Answer 1

You will have to tell them; not to tell them would be fraud. Your new insurance will be primary and Medicaid will be secondary, picking up the cost that your primary doesn't pay. Since you are starting a new job you will also have to tell them your new salary; again not to tell them would be fraud. The income qualifications will vary depending on your state. $26K may or may not be over the limits. You will need to ask your caseworker.

Answer 2

why wud you have medacaid and health insurance at the same time, thats STUPID!!! Medacaid pays for everything so why wud you even go get health insurance to begin with... medacaid is for people who cant afford health insurance..why wud they give it to someone that has health insurance. and if they find out that you have insurance theyll cancel you and you have to reapply

Answer 3

I can only tell you that my son had Medicaid and Blue Cross at the same time. Medicaid covered everything the other one didn't. I'm not sure if every situation is the same, though.

Yes, you have to tell them. Or, they will find out and definitely kick you off Medicaid and could probably charge you with a criminal offense if they wanted to.

Personally, I think you're going to be okay--able to keep Medicaid. All you can do is let them know and go from there.

Answer 4

Medicaid's is a program that all states have, but the eligibility requirements vary from state to state. You will have to google your state and medicaid to see if they allow you to have insurance AND medicaid. If they do and you still meet the income guidelines, medicaid will pick up the balance after your primary insurance pays. If you don't meet the guidelines to keep medicaid, contact the providers and ask about financial aid. Many have programs to assist, but again, you will have to meet the financial guidelines.

Just because you are starting a job next week does not mean the insurance will begin from day one on the job. Most likely, there is a waiting period-usually 60 to 90 days. In which case, the only change for you is your income. You will have to report this change, but since you are pregnant, most states allow higher income to qualify and/or you may qualify for another program offered for pregnant women.

Answer 5

the work insurance won;t pay for the pregnancy - it's an existing condition and you'll be going back out on maternity leave soon anyway - I'm surprised they hired you now - you'll need to use the medicaid insurance for the pregnancy costs. You usually got get the work insurance until the first day or the next full month after you start or even after your probationary period (60-180 days - depends on company)