My husband is 50 with multiple strokes on the brain and vascular dementia. This Aug will be a year. We have no insurance. Any advice?

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I had signed him up for disability in Aug. He gets SSDI and now the Medicaid was taken cause “he makes too much $”. I have a son that’s on disability. But I have no insurance for my husband and myself. They have him on a spend down but I feel as if it’s no help. I don’t know what to do.


He doesn’t have siblings and his mom is in bad health and is no help. I’m on my own and I don’t want to be.

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As asked, I thought SSD came with Medicare. Medicaid would be a secondary.
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hummin2 Aug 1, 2018
We was told by Social Security , when one makes to much Disability (SSDI) then Medicade is drooped.
But if the person has many Dr. appointment, medication,hospitalizations, rescue and so forth then take all bills to Social Service to put on a “Spindown” .
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An elder law attorney is probably needed to get everything setup for all of you long term. My understanding is there are trusts that can be used to channel income for monthly expenses and allow someone to qualify for Medicaid.

If your husband is on a "spend down" that usually means that he qualifies with his monthly income but currently has too many assets (money in the bank or autos) to qualify. If that's the case, then purchasing health insurance or paying medical expenses like doctor visits and medications should be good spend down expenses. Check with the Medicaid person or the elder law attorney.

Your husband will be able to get Medicare in 2 years. "Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. "

For yourself and your husband in the short term, some doctor's are running "black bag" practices where they do not take insurance and so patients pay a set fee each month that provides access to the doctor (office visits, webcam, phone, sometimes even home visits) when you need it. The service doesn't include tests or medicines so there are still some additional expenses but a lot of conditions can be treated with low cost generic medications. There's a couple in my area that are $65-75 a month and provide excellent care.
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Reply to TNtechie
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An elder law attorney is probably needed to get everything setup for all of you long term. My understanding is there are trusts that can be used to channel income for monthly expenses and allow someone to qualify for Medicaid.

If your husband is on a "spend down" that usually means that he qualifies with his monthly income but currently has too many assets (money in the bank or autos) to qualify. If that's the case, then purchasing health insurance or paying medical expenses like doctor visits and medications should be good spend down expenses. Check with the Medicaid person or the elder law attorney.

Your husband will be able to get Medicare in 2 years. "Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. "

For yourself and your husband in the short term, some doctor's are running "black bag" practices where they do not take insurance and so patients pay a set fee each month that provides access to the doctor (office visits, webcam, phone, sometimes even home visits) when you need it. The service doesn't include tests or medicines so there are still some additional expenses but a lot of conditions can be treated with low cost generic medications. There's a couple in my area that are $65-75 a month and provide excellent care.
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Reply to TNtechie
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hummin2 Aug 1, 2018
Social Security says he makes to much Disability (SSDI). This Aug. is a year.
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Disability comes with Medicare doesn’t it? It won’t cover you for insurance but should cover you and your son
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Reply to Daughterof1930
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hummin2 Jul 30, 2018
Yes he is getting disability (SSDI) . They gave him medicade first then when SSDI started the Medicade stopped . The lady at Social Security told us, he makes to much disability.
My son is 19 and he has his own disability. That’s a great help for him.
With my husband being 50 and have these issues and was the one that took some what care financially compares to now I’m just hanging out and learning slowly while stressing out. I already have Chrons and having a hard time to buy my supplies that is a must.
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I'm just answering to bump up your post. Have you consulted with an elder law/medicaid lawyer? Have you considered letting him become a ward of the state?
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hummin2 Jul 30, 2018
We have an attorney to do the Will, Advance Medical, POA and all has been taken care of and all info is at Dr.s offices and hospital.
I am new at this and I’m learning slowly and still not sure of a lot.
He passed out on the 2nd and called 911 . He was admitted then stayed till the 4th. The Social Worker said he shows no issues while in the hospital and she had no concerns that he’s able to do some things on his own, like make his self a sandwich and do lightly things. (He just turned 50 in Jan). Before he passed out and was admitted he just sits around in a chair and sleeps a lot off and on all day. But while he was in the hospital he acted like his old real self. Now he’s been released he is back to doing nothing but sits on his bumb.
Not the same person he was while in the hospital.
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It sounds like you need professional help.
Have you already called Area Agency on Aging? Try them for direction.
I don’t know what a “spin down” is but hopefully someone will be responding soon that can give you more suggestions.
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Reply to 97yroldmom
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hummin2 Jul 30, 2018
Here in Va. what ever hospital, Dr. medication you pay for out of pocket, you take those bills to your local Social Service and they use them for a Spin down and you have to have a certain amount of $$ before you can get any help.
Some meds we can’t pay for like Trulicity for sugar and the Neurologist wants to put him on a medication in hope I think she said to help with bathroom stuff. She said it coat to much out of pocket.
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