{"id":1863,"date":"2019-06-25T12:17:35","date_gmt":"2019-06-25T19:17:35","guid":{"rendered":"https:\/\/www.jacksonwhitelaw.com\/altcs\/?p=1863"},"modified":"2023-01-18T10:33:13","modified_gmt":"2023-01-18T17:33:13","slug":"employer-offers-insurance-medicaid","status":"publish","type":"post","link":"https:\/\/www.jacksonwhitelaw.com\/altcs\/blog\/employer-offers-insurance-medicaid\/","title":{"rendered":"Can I Still Get Medicaid If My Employer Offers Health Insurance?"},"content":{"rendered":"

Introduction<\/h2>\n

If your employer offers health insurance, can you still get Medicaid? Do you have to choose your employer\u2019s insurance coverage, even if you\u2019d rather use something else?<\/p>\n

Arizona doesn\u2019t have a law that requires employers to provide health insurance, but many businesses in the state do. If your employer offers health insurance to you, they\u2019re also required to provide the same coverage to your children who are 25 or younger. Your employer may allow your spouse to join your health insurance plan, too, but this isn\u2019t a legal requirement.<\/p>\n

I Don\u2019t Want My Employer\u2019s Insurance Plan- Now What?<\/h2>\n

Can your employer force you to take their health insurance? Can you buy your own health insurance even if your employer offers it? Some companies only offer inexpensive plans that don\u2019t cover emergency or hospitalization services. Or perhaps your employer is offering you a plan that\u2019s too expensive or more than you need.<\/p>\n

If, for any reason, you don\u2019t want to take the plan they\u2019re providing, you may waive your coverage. Keep in mind that if you go this route, you can\u2019t cover your dependents under the plan either.\u00a0<\/span><\/p>\n

In 2019, the Affordable Care Act<\/a>\u2019s tax penalty for having no health insurance coverage is no longer in place. But health insurance is still a good idea to protect your finances or an unexpected accident could drain your savings.<\/p>\n

Can I Still Get Medicaid if I Turned Down My Employer\u2019s Insurance?<\/h3>\n

If you need laboratory services, rehabilitative care, maternity care, chronic disease management, or coverage for other services that your employer\u2019s plan doesn\u2019t cover, you can check to see if you\u2019re eligible for Medicaid. You may meet the financial requirements necessary to receive benefits.<\/p>\n

Arizona\u2019s Medicaid Program<\/h2>\n

One component of Arizona\u2019s Medicaid program is ALTCS<\/a>, or the Arizona Long-Term Care System. This state program provides long-term care options for medically and financially eligible<\/a> people in Arizona. ALTCS is for blind, elderly, and disabled people and offers services for little to no cost. If you don\u2019t belong in one of these categories, there are other Medicaid programs that you may qualify for.\u00a0<\/span><\/p>\n

If you\u2019re eligible for ALTCS (or other Medicaid) benefits, you\u2019ll apply and get assigned an agent who will put together a care plan that works for you. Your ALTCS assistance might pay for hospice<\/a>, home care, outpatient treatment, nursing facility care, prescription medications, and more.<\/p>\n

Requirements for Medicaid Eligibility<\/h3>\n

You may qualify for Medicaid based on your assets and income, while others will qualify because of their MAGI<\/a> (modified adjusted gross income).<\/p>\n

If you\u2019re pregnant, between 19 and 64 years old with no children, or a caregiver living with relatives, you may qualify based on MAGI. Some people may qualify for reasons other than their MAGI, including some institutionalized individuals, foster and former foster kids, and others.<\/p>\n

Eligibility for Medicaid benefits isn\u2019t as simple as it used to be. While your income does play a role, you may qualify or not based on whether you participate in other government programs.\u00a0<\/span><\/p>\n

It\u2019s a good idea to work with a long-term care expert if you have any questions about what you may qualify for and how to apply for services.<\/p>\n

Income Requirements<\/h3>\n

What is the maximum income for a single person to get Medicaid benefits? The <\/span>AHCCCS<\/span><\/a> (Arizona Health Care Cost Containment System) is an expansion of Medicaid in Arizona. AHCCCS covers adult individuals who aren\u2019t eligible for other Medicaid programs and earn a maximum of $<\/span>1,507<\/b> to $<\/span>4,625<\/b> monthly (according to their family size).<\/span><\/span><\/p>\n

\u201cSpending Down\u201d to Qualify<\/h3>\n

If you\u2019re single and applying for Medicaid services, you can\u2019t have over $2,000 worth of countable assets (married individuals applying together with their spouse may have up to $3,000). It\u2019s also against the rules to give away your resources in order to qualify for benefits within five years of applying for Medicaid.<\/p>\n

ALTCS and other benefit programs may deny applicants who have too much value in assets. Spending down<\/a> is one strategy you can use to qualify financially for Medicaid benefits in Arizona. To spend down means to reduce these assets and reapply later.\u00a0<\/span><\/p>\n

If you decide to try this strategy, it\u2019s ideal to work with an attorney<\/a> to ensure you do it in\u00a0 <\/span>the best possible way.<\/p>\n

Medicaid as Secondary Insurance<\/h2>\n

Can you use Medicaid as a secondary insurance? If you take your employer\u2019s insurance or you have private coverage, you might still have trouble paying deductibles and co-pays. But qualified low-income families and individuals might be able to cover co-pays, deductibles, and insurance premiums by using Medicaid as a secondary insurance.\u00a0<\/span><\/p>\n

Just keep in mind that Medicaid is always the last resort payer if you have coverage through another agency. Secondary payers usually cover the smaller amount, like coinsurance or co-pay, while primary insurance covers the bigger costs.<\/p>\n

Will Medicaid Pay for Primary Insurance Copays?<\/h3>\n

Most Medicaid recipients in Arizona don\u2019t owe a monthly premium for the services. Instead, you\u2019ll only need to make payments while receiving care.\u00a0<\/span><\/p>\n

If you\u2019re 19 or older, you might have to make small copayments for Medicaid-covered services. You won\u2019t have to cover copayments, however, if you\u2019re 18 or younger, pregnant, in hospice care, or exempt under certain other conditions.\u00a0<\/span><\/p>\n

Arizona Medicaid\u2019s copayments will be much more affordable than copayments from private insurance companies. Keep in mind that if your primary insurance provider charges a copay to receive services, Medicaid may not cover that. You will need to contact your Medicaid service provider to find out.<\/p>\n

Need Help Applying for ALTCS in Arizona?<\/h2>\n

There are several roadblocks you could encounter while figuring out ALTCS in Arizona. You may need to adjust your financial situation before you can apply or gather more detailed information based on your circumstances. Remember that there are already processing times when you apply and that taking a misstep during the application process can make everything run much slower.<\/p>\n

Having a professional<\/a> on your side who knows the rules can make applying a lot smoother. Whether you need help planning or have questions about the process, speak with an attorney today.<\/p>\n

Contact the JacksonWhite ALTCS team today at (480)467-4337<\/a> and learn more your options for long term care.<\/p>\n","protected":false},"excerpt":{"rendered":"

Introduction If your employer offers health insurance, can you still get Medicaid? Do you have to choose your employer\u2019s insurance coverage, even if you\u2019d rather use something else? Arizona doesn\u2019t have a law that requires employers to provide health insurance, but many businesses in the state do. If your employer offers health insurance to you, […]<\/p>\n","protected":false},"author":21,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[40],"tags":[],"acf":[],"yoast_head":"\nCan I Still Get Medicaid If My Employer Offers Health Insurance?<\/title>\n<meta name=\"description\" content=\"If you need special services or coverage for other services that your employer\u2019s plan doesn\u2019t cover, you can check to see if you\u2019re eligible for Medicaid.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.jacksonwhitelaw.com\/altcs\/blog\/employer-offers-insurance-medicaid\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can I Still Get Medicaid If My Employer Offers Health Insurance?\" \/>\n<meta property=\"og:description\" content=\"If you need special services or coverage for other services that your employer\u2019s plan doesn\u2019t cover, you can check to see if you\u2019re eligible for Medicaid.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.jacksonwhitelaw.com\/altcs\/blog\/employer-offers-insurance-medicaid\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTCS: Arizona Long Term Care System - 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