- 8,448
Friday, December 20, 2013
This is Information gleaned from talking to various government offices, hospitals, navigators and insurers this past week:
Illinois has cast a VERY big net to get as many enrolled in All-Kids, and/or Medicaid, as possible. We already know that as of 2014, adults can enroll in Medicaid if their income is up to 133% of the Federal Poverty Level. (FPL)
What I didn't know is that families who earn up to 313% of the FPL are eligible for their Children under age 19 to be on AllKids Medicaid.
In fact, if a 133% to 313% FPL family with children under age 19 wants to apply for a federally subsidized plan on the Marketplace, the children will be sent automatically to All-Kids Medicaid.
Example: Family of 4 in Illinois earns between $2,790 and $6,200 per month and buys a subsidized plan on the Federally Facilitated Exchange, the children (18 and under) will be placed on All-kids Medicaid...or even worse, told that they are not qualified for Allkids, and must visit one of the free community health centers created by the Affordable Care act.
Had one this past week where 1 child was sentenced to Allkids and the other was told to visit one of the new "Affordable Care Act Health Centers" if he needed medical care. These medical centers must be the portable units that are set up in football stadiums before the games and in various mall parking lots, because I've never read about any permanent ones being constructed in the Chicago area.
This page contains documents that show the Medicaid Eligibility Income levels: Medicaid and CHIP Eligibility Levels | Medicaid.gov
This page illustrates the income ranges for All-Kids Medicaid in Illinois:
All Kids Income Standards & Cost Sharing Chart
One viable alternative to having the children put on All-Kids is for each of them to buy an individual health plan. However, due the new 4 age-band limit mandated by ObamaCare, children under age 18 average $140 per month each. (Used to be $40 to $60 for child-only policies)
Footnote: This law is so complicated that not one Allkids, Exhange, Insurance Co., or Hospital official understood how this works. It was only by getting input from each of them that I was able to put the total picture together. There will be some VERY angry Illinois citizens next year...for a myriad number of reasons.
ac
Thursday December 26, 2013
BCBS-IL Customer Service "strongly believes" that after the 2014 health policy goes live, affected customers can call into the company and verbally add the child/children that Healthcare.gov stripped from the parent(s) application.
I would like to hear this in a more official manner, but it makes sense that adding children to an existing plan would be allowed, as it always has been. If true, this would/should apply nationally to all carriers.
ac
This is Information gleaned from talking to various government offices, hospitals, navigators and insurers this past week:
Illinois has cast a VERY big net to get as many enrolled in All-Kids, and/or Medicaid, as possible. We already know that as of 2014, adults can enroll in Medicaid if their income is up to 133% of the Federal Poverty Level. (FPL)
What I didn't know is that families who earn up to 313% of the FPL are eligible for their Children under age 19 to be on AllKids Medicaid.
In fact, if a 133% to 313% FPL family with children under age 19 wants to apply for a federally subsidized plan on the Marketplace, the children will be sent automatically to All-Kids Medicaid.
Example: Family of 4 in Illinois earns between $2,790 and $6,200 per month and buys a subsidized plan on the Federally Facilitated Exchange, the children (18 and under) will be placed on All-kids Medicaid...or even worse, told that they are not qualified for Allkids, and must visit one of the free community health centers created by the Affordable Care act.
Had one this past week where 1 child was sentenced to Allkids and the other was told to visit one of the new "Affordable Care Act Health Centers" if he needed medical care. These medical centers must be the portable units that are set up in football stadiums before the games and in various mall parking lots, because I've never read about any permanent ones being constructed in the Chicago area.
This page contains documents that show the Medicaid Eligibility Income levels: Medicaid and CHIP Eligibility Levels | Medicaid.gov
This page illustrates the income ranges for All-Kids Medicaid in Illinois:
All Kids Income Standards & Cost Sharing Chart
One viable alternative to having the children put on All-Kids is for each of them to buy an individual health plan. However, due the new 4 age-band limit mandated by ObamaCare, children under age 18 average $140 per month each. (Used to be $40 to $60 for child-only policies)
Footnote: This law is so complicated that not one Allkids, Exhange, Insurance Co., or Hospital official understood how this works. It was only by getting input from each of them that I was able to put the total picture together. There will be some VERY angry Illinois citizens next year...for a myriad number of reasons.
ac
Thursday December 26, 2013
BCBS-IL Customer Service "strongly believes" that after the 2014 health policy goes live, affected customers can call into the company and verbally add the child/children that Healthcare.gov stripped from the parent(s) application.
I would like to hear this in a more official manner, but it makes sense that adding children to an existing plan would be allowed, as it always has been. If true, this would/should apply nationally to all carriers.
ac
