Medicaid - Assets and Resources - Only to USA or includes rest of the world.

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Hello, My parents who are above 65 years of age and are a permanent resident (aka Green Card) of the USA are trying to get medically insured under a current system.
Based on what we read online and heard from people in similar situations, we have collected the following facts:

1) They are not eligible for Medicare as they have not contributed for 10 quarters towards Social Security.
2) Obama Care is not applicable for people 65 and over.
3) Private insurance costs are very high and most of them do not even cover pre-existing conditions or provide very limited coverage on pre-existing with very high premiums and deductibles.

The only option we can think of is to apply for Medicaid, but by reading the fine prints of Virginia medicaid we have the following question:

As they are over the age 65 and above, they need to fill out a Appendix D and Section 3 of that form ask about the details of 'Resources and Assets' of an applicant.

Under 'Resources and Assets' it asks specifically for cash in hand, checking and savings account, pensions, Certificate of Deposit (CD), real property, etc. They do not have any such asset in the USA, but they get a pension from Indian government every month, have bank accounts, CDs, and a property (fixed asset) in India.

My question: Any form related to Medicaid specifically Appendix D is applicable to ONLY US income, pension and real asset of an applicant or it includes any income, pension, assets belong to an applicant from rest of the world.

Link to Appendix D form from State of Virginia:
http://www.dss.virginia.gov/files/division/bp/medical_assistance/forms/all_other/dma-99-9903-01-eng.pdf

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Well, if anybody on the planet can come to US, leave their assets in their old country, and get Medicaid to pay their way, then what? Doesn't sound right to me. Hope it is not true.
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Please note that ACA/ObamaCare had eliminated pre-existing conditions starting in 2014. That means you can’t be denied coverage, charged more, or denied treatment based on a pre-existing condition. Go to the ACA website and check around to see what is affordable for private insurance for your parents until the time comes that they can qualify for Medicaid.

In fact, my Dad just called me as the company he retired from has changed insurance venders, and he couldn't believe how much he and Mom have to pay for a premium that covers secondary supplement plus Rx.... I told Dad how much I am paying and what he is now paying sounds right as he has to remember he is paying for BOTH he and Mom.
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smarwaha2006, almost all of the participants on this site are caregivers, as you are. We may be experts in some professional field, but typically we are not experts in legal matters. Often we can help each other by sharing our experiences. It appears that right now there are no participants who have dealt with non-citizen parents and applying for Medicaid. That is why we are suggesting contacting the agency, possibly consulting a lawyer (immigrant law and/or elder law), and researching on the internet.

Your specific details are new to most of us, but the basic situation is very familiar. Elder has too much assets/income to qualify for Medicaid (or other help) but not enough for the care they need. Argh! We know that frustration. Some states do a much better job than others of helping elders in need.

This is not related to your question, but I am curious. What if you and your parents were in India? How does that country support the care of elders?
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Ok..Thanks JessieBelle.
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There is much information by piecing together the information in the several links that come up. Much of it has to do with ways to secure assets offshore. None of the information I ran across referred directly to how to fill out the Medicaid application with the information. It is why I said that the assets that are not liquid may not be considered. You really need to ask someone with a higher level of expertise in senior immigrant law.
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JessieBelle - I cannot find any information related to off-shore assets. Thank you in advance.
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Change that to "offshore assets Medicaid application."
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Hi JessieBelle - I know for sure that getting Medicaid or having movable or immovable assests in your old country won't make one ineligible to gain US citizenship.

I will google keywords to see what I get. Thank you, again.
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smarwaha, we can't post links on the site. You can duplicate what I did by googling the keywords. I think I used Offshore resources medicaid application (or something very similar). This is a gray area that I know little about. Something I did wonder is if it might affect your parents' ability to gain citizenship in the future. I don't know how these things work.
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Thank you everybody for the feedback and I truly appreciate it.

The reason we need to know the fact whether to mention rest of the world income or assets on Medicaid forms is that it will determine my parents eligibility whether they will be approved for Medicaid or not. If we write their pension and immovable asset from their old country they are not eligible and in such situation we prefer not to even apply for Medicaid and think of other options.

Unfortunately, it is a difficult situation where adding their pension and bank balance goes little over the threshhold to get eligible for Medicaid and at the same time is not enough to afford medical cost in the United States as most of the times it's very high. As I already mentioned in my original posting, private insurance costs are very high and most of them do not even cover pre-existing conditions or provide very limited coverage on pre-existing with very high premiums and deductibles.

jeannegibbs - I will call VA Medicaid office and check with them if I get any firm information. I called once many weeks ago and my personal believe is individual receiving the call didn't know an answer to this question as she was little hesitant to answer at first and preferred to say 'Yes' than 'No'.

As mentioned above, adding their pension and bank balance is not enough to afford medical cost in the United States as most of the times it's very high.

fregflyer - I will check with Kaiser health insurance, but believe us that we have contacted many insurance companies and as mentioned above "private insurance costs are very high and most of them do not even cover pre-existing conditions or provide very limited coverage on pre-existing with very high premiums and deductibles". I also checked with my employer benefits administrator and under their policies and agreement with their insurance company, parents are not eligible to be in their insurance plan even if I show them as dependants.

fregflyer and cmagnum - I believe as a permanent resident you are eligible to get Medicaid if you meet all other terms and conditions. I know many folks having GC have medicaid from their respective states. You don't have to be a US citizen for this. 'JessieBelle' also concur to this below, “If your parents are permanent residents of the US and the state they live in, they may qualify for Medicaid assistance.".

JessieBelle - They have not been in US for five years as a permanent resident, but good to know that once they complete five years window, they will be eligible for Medicare as I was under illusion that one has to contribute for least approx 10 years towards Social Security to get even eligible for Medicare.

"I have done a little reading and the offshore assets may not be considered by Medicaid legally"..Can you please share a source where you got this information from?

I want to thank you all again for contributing your research and knowledge on this forum and providing feedback on this question.

Conclusion - Unfortunately, question still stands as a question waiting to get a firm answer.
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