Saturday, June 18, 2011

Journal - Medicaid

So, a couple of weeks ago I was talking to Denise who works in Dr. Feilmeier’s billing office. She had called me to check on what kind of insurance I had, and whether I would actually be able to pay for my surgery and all that. I gave her my Medicare information and she reminded me that Medicare only pays 80%, and that I would be responsible for the remainder which would probably total at least $3,000.
During this conversation, Denise asked if I had applied for Medicaid, and I told her that I had Medicaid before, but now I had Medicare instead. She told me that some people do have Medicaid and Medicare both, something I thought was not possible.
Earlier this week, Wednesday I think it was, I called my case worker at the Department of Health and Human Services to ask about that. I left a message with Cindy as usual, and waited for a call back, which came on Friday.
Cindy confirmed what Denise had said, and told me that I had a choice. She told me that DHS could continue paying my Medicare premiums for me, which is $115 a month, or I could get my Medicaid back. It would be the same Medicaid I had before, with a monthly deductible of $788. That never did me much good before because my monthly medical expenses were never that much, but it will certainly be helpful when I have my surgery. So basically, Medicare will pay 80% of my surgery, then Medicaid will pay the rest, leaving just the deductible of $788 for me to cover.
Actually, the deductible will be $673, because the $115 Medicare premium, which I’ll have to start paying again, comes out of that. Then, after my surgery, I can cancel the Medicaid again, and DHS will start paying my Medicare premium once again. Confused yet? That’s okay, I have it all straight.

Things continue to fall into place, with very little effort on my part. I just have to shake my head when I think of all the times during the last three years or so that I tried to make something happen, only to be thwarted every time. Turns out I didn’t have to do anything at all, except wait on the Lord, just like He said.

Psalms 91:11 "For he will command his angels concerning you to guard you in all your ways.” ESV

Psalms 20:7 "Some trust in chariots and some in horses, but we trust in the name of the Lord our God.” ESV

1 comment:

  1. In HIS time. Not anyone elses time.
    That's the Law. :)