PolkaD0tMom

PolkaD0tMom t1_jd17i9m wrote

If you aren't going through the process of being determined disabled by the federal government (Social Security), then you get determined by Masshealth's Disability Evaluation Services after you complete the application on the Health Connector.

Any resident of Massachusetts who has been determined disabled by either Social Security or DES automatically qualifies for Masshealth, regardless of your income. You wouldn't qualify for a Health Connector plan.

With Masshealth, you have access to world-class healthcare.

https://www.mahealthconnector.org/

https://www.mass.gov/doc/eom-22-17-changes-to-streamline-masshealth-commonhealth-eligibility-for-adults-0/download

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PolkaD0tMom t1_ja5ytgi wrote

Income changes haven't affected eligibility since March 2020. There aren't any penalties to using Masshealth while you qualify for Masshealth.

You don't have to cancel anything. You can keep using your Masshealth, it is secondary to the employer plan.

All you have to do is report your income and employer insurance. Eventually they will redetermine you when the COVID protections end, and you might expect to lose eligibility at that future point.

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PolkaD0tMom t1_ja246ec wrote

Compared to other states, our Medicaid is extremely progressive and widely accepted. We have more generous coverage policies...for things like trans healthcare or those with disabilities, etc.

Only a couple of other states have a more generous Medicaid program, those being NY and CA. And while those states have better reporting and maintaining Medicaid benefits guidelines, their Medicaid programs aren't as widely accepted.

And of course, having Masshealth gives you access to our healthcare providers ; Medicaid wouldn't cover healthcare out of network, and luckily Masshealth members' network includes globally-esteemed MA healthcare.

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PolkaD0tMom t1_j6on5vn wrote

The age 26 rule doesn't apply to Masshealth. He should report the change that you are no longer part of his household and remove you so you can apply on your own with your spouse, unless they have other insurance they are adding you to.

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PolkaD0tMom t1_j6786ue wrote

Reply to comment by Maronita2020 in Mass health question by [deleted]

It's not. It's set to end in April and then Masshealth will be taking the next 12 months to make re-determinations for all 2.3 million Masshealth members.

> they were going to terminate my Mass Health coverage.

No, they weren't. The system has generated the same form renewals that generically say 'You must respond by this time in order to keep benefits', but Masshealth members received separate letters explaining the COVID protections.

> reinstituted prescription drug copays, etc.

There have always been Rx copays of $0, $1, or $3.65, depending on the medication. However, every Masshealth member receives a notice informing them of their monthly copay cap, which is dependent on their income.

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PolkaD0tMom t1_j5xkfet wrote

Reply to comment by Hereforadvice33 in Mass health question by [deleted]

Declining Masshealth coverage is NOT a qualifying event. Loss of coverage must be involuntary to count as a qualifying event. You are still eligible for Masshealth due to the Public health emergency but you have to report that you're married if you live together and make sure that Masshealth has all your current household information.

Once the public health emergency ends, if you don't qualify for Masshealth after being re-determined, then that is a qualifying event and you would use the termination letter from Masshealth (bring it to husband's employer) to open a Special Enrollment Period for you.

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PolkaD0tMom t1_j4rucra wrote

https://betterhealthconnector.com/get-an-estimate to see options before actually applying. Use a zip code near where you think you'll move.

You apply for all household members on the same application. You can apply up to 60 days before you move, once you get an address. And you update your application as changes occur during the year, such as changes in immigration status.

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PolkaD0tMom t1_j0uhu1e wrote

Are you married? If not, then you should have separate applications and nothing you do affects them and it would be a bad idea to cover them as a domestic partner.

If your partner is actually a spouse, you have to update the application with all current income and access to employer sponsored insurance - not just refuse to pay the Health Connector plan's premium. That's bad advice and you should instead actively indicate that you are no longer applying. Masshealth will continue but becomes your spouse's secondary coverage.

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