Are you on Medicaid for just health insurance? or longterm care?
If for health insurance then Medicaid should become your secondary. Medicare only pays 80% of what they consider reasonable so you need a supplimental. If on health insurance there is no spend down. Not in NJ anyway. Medicaid pays for dental and glasses which Medicare does not. Buying a house depends on your income which is low if on Medicaid.
This wasn't my question but now I am confused. If one has to go to Medicaid in the future what happens with the present secondary insurance? Presently the secondary is after Medicare. Probably a stupid question but I have a head cold and can't focus well
River, when you go into a NH with Medicaid paying for your care it also becomes your health insurance. If you had a supplimental before, this can be dropped because Medicaid pays for everything.
If for health insurance then Medicaid should become your secondary. Medicare only pays 80% of what they consider reasonable so you need a supplimental. If on health insurance there is no spend down. Not in NJ anyway. Medicaid pays for dental and glasses which Medicare does not. Buying a house depends on your income which is low if on Medicaid.