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xLavenderWingsx Asked August 2012

My mother's Medicaid coverage ended, I don't understand why..

My mother started receiving medicaid back in 2008.

We received a letter the other day from Florida Medicaid, saying that her medicaid coverage has ended and they listed the reason as to why. It says (Reason: You are receiving the same type of assistance from another program)

I don't understand what they mean.
She receives SSD benefits, and medicare. Medicaid approved her back in 2008 knowing that she was enrolled in those programs, so why is it that they have ended her medicaid now when nothing has changed in regards to the assistance she receives??.....

Any help is greatly appreciated.

EXPERT Carol Bradley Bursack, CDSGF Aug 2012
Unfortunately, states change their Medicaid programs frequently. However, they also make mistakes. I'd call her social worker immediately and ask for an explanation that you can understand. Unless they changed the the rules (which is possible), they may have made an error. Let's hope that is the case.
Good luck,
Carol

igloo572 Sep 2012
In the letter, there should be the information regarding what to do to appeal this.
Most states Medicaid programs have very strict timeframe in which to file an appeal and it usually has to be done in writing and mailed in or sent via fax. Phone call is good but usually you have to have appeals in writing. Usually if you appeal, her coverage is continued until the appeal hearing is done. I had 2 appeals with my mom's NH Medicaid and 1 appeal took 3 months for the hearing and the other was scheduled for 6 months and got resolved about 3 weeks before the hearing.
But you have to file an appeal.

Could it be that some of the medical costs that Medicaid was covering is being paid by Medicare or though her SSDI? 4 years is a long time and that might have happened.

My mom had a very good secondary insurance policy (federal BCBS) and once they found out about her being on Medicaid, her BCBS policy was suspended as now Medicare &/or Medicaid are the payers for all medical for her as BCBS would be duplicating services paid by another.

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Bryn Sep 2012
I received several unopened letters stuffed in one big brown envelope from Mom's current nursing home. One of them from Medicaid stating that Mom no longer in long term nursing home case. Date to appeal is Sept. 14 which is yesterday. Mom has been approved a long term nursing care by Medicaid over a year ago. She stayed at one that was 37 miles away until she finally got a transfer to one much closer to me, 3 miles which she was on their waiting list. Did someone at business office at current nursing home messed up? There is no way I can private pay as I get SSDI and we have no money. I can't take her home as she's now in a wheelchair and wears diapers due to her progressive Alz's disease as I live alone. No way I can carry her or it'd break me. I feel so sick. It's good to talk to someone here. :( I am in Arkansas. Reason: code D: Not eligible for Medicaid care at this date. I am so confused and scared. I am hearing impaired (totally deaf actually).

COULDITBEME Sep 2012
The expert advice is the best advice you will receive. Just remember many of us have been in similar situations. Don't put this off no matter how tired etc you are.. As the saying goes, "Time is Money". I know you love your Mom and this is one way of showing her.
Plenty of success with this I hope for you. Let me and the rest of us know how this turns out.

Bryn Sep 2012
I tried calling business office at where Mom is, but she was not in. Was told I'd have to wait until Monday. I won't put this off. No way. I will pull myself up and act. I will keep you info.

igloo572 Sep 2012
Bryn - please get to this asap. Most states Health & Human Services dept (which is usually where Medicaid programs get managed) have very strict timeframes as to compliance. The timeframes can be set by the state's legislature and is kinda out of the control of the caseworker but they do need to allow for time for mail to be sent and received which can buy you maybe 5 working days beyond the must have date. This is kinda like the credit card companies statement that you need to allow 7 days in order to have payments by snail mail to be properly credited.

I've been though the appeals process and the caseworker needs to have a paper trail in your mom's file in order to for it to count. Phone calls don't provide that. Mail is good BUT FAX IS BETTER especially when you are under the gun for deadline. FedEx/Kinko's do faxes at pretty competitive rates and you get a copy of the transmission delivery. The fax transmission delivery copy is important as it shows that HHS got a document and when with a date and time stamp. Also with a fax you have in your hands exactly what was sent over. I have a fax @ home and I still go to Kinko's if its something very important because I get a real-time transmission verification. I have no sense of humor in hearing..."we never got it".

When you mail or fax whatever to HHS, I'd suggest, you clearly request that either all documents be mailed to you OR that you are sent a duplicate of all items mailed.State in your letter to them that you were unaware of any items needed as your mom - who received their mailings @ her NH - is unable to because she doesn't have the cognitive ability....has dementia, etc....and that all mailings need to come to you (as her DPOA, MPOA, responsible agent, next of kin, whatever) in order to be dealt with in a timely and consistent manner.

Perchance could this be about non-compliance on recertification? I don't know if all states do this, but my mom's Medicaid has to be recertified annually. The letter comes annually about 1 year and 6 weeks to the date of her initial approval. The paperwork is about a 6 page questionnaire from state HHS. My mom's is a pretty simple check off and is all about verifying or updating info (like SS#, banking info, insurance info, burial policy info) BUT I do have to send in the current month's bank statement and the last 3 before that. It's to make sure that her income and assets are still @ or under the state maximum and that nothing has been sold or changed ownership. Like your mom could have won the lottery - lmao. I think I had 21 days to get all to HHS. Hello Kinko's on Day 20!

One thing that happens commonly is that the NH residents personal needs allowance builds up and puts them out of compliance on "assets" for Medicaid. Are you familiar with the allowance.?..?.......this is the $ (amount is set by each state) that Medicaid NH residents get to keep for their personal use. I think it ranges from $ 35 to 90 depending on the state, my mom's is $ 60.00 a month.
What can happen is that the $ doesn't get spent and builds up either in their bank account or in their personal needs allowance trust at the NH and eventually puts them over the 2K for assets.When my mom went into the NH, her bank account was around $ 1,500 in "assets" and every month gets $ 1,800 in "income" deposited (SS and annuity). Every month a check for $ 1,740 gets paid to the NH and every month her bank account builds by the $ 60.00 personal needs allowance. So I have to make sure she spends it on something within the year so that she doesn't get over 2K. If I just left it there for the year and I personally paid for everything, her bank account would be $ 720.00 bigger and added to her baseline amount of $ 1,500, would take her to $ 2,220 in "assets" & $ 220 above the state limit. According to the social worker at my mom's NH, this happens super often and you can easily deal with this by setting up a monthly expense for her like hair salon services. My mom's NH does this a lot for the hair salon and the canteen where they can "buy" small stuff like candy, magazines, hair barrette's. Whatever they spend gets charged to their personal needs allowance trust @ NH so they don't need to fret about having (& loosing/stealing) $ about in their room.

My mom is in TX and TxDHHS sends everything to both me (I live in another state) and to her at the NH as per my request. I've gone through appeals too. It's usually pretty straightforward in what HHS needs but the timeframe can put you in panic mode. Stay focused & organized & you'll be OK. Good luck & get on it.

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