Health Insurance and Benifits Planning for Students in Transition
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A presentation give at Children's Memorial Hospital, Jan 31, 2011, for young adults with chronic illness or disabilities and their families.
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Health Insurance and Benifits Planning for Students in Transition
- 1. Benefits Planning and the Student in Transition Beyond Expectations Presentation by: Health & Disability Advocates Children’s Memorial Hospital, January 31 st , 2011
Hinweis der Redaktion
- Medicare: also covers those under 65 with Lou Gehrig’s disease or dialysis for end stage renal disease
- NOTE: Children over 200% FPL must also meet uninsured requirement.
- Full List: Your home Your personal belongings and household goods of reasonable value Certain resources up to a limit of $6,000 that you use to earn income. One automobile if the fair market value is no more than $4,500 or if someone in your family needs it to get to work or uses it to get regular medical treatment Life insurance policies with a total face value of $1,500 or less and all term life insurance policies Certain funds set aside for burial expenses Certain other assets that occur infrequently
- uninsured for 6 months: means that they cannot have had AllKids or any insurance in the 6 months prior to applying for IPXP including having met spenddown*)
- NOTES: premiums vary by gender, age, geographic region, & deductible No denial based on pre-existing conditions
- ICHIP did not come from group insurance SSI/Medicaid: probably not eligible, regardless of income probably would not meet adult disability criteria allowed SGA = $1000/month she DID work around $2400/month even if she could meet Adult SSI standard, would take a long time to meet the adult disability criteria HIGH RISK POOL: IPXP was asking for a letter that she was uninsurable (in lieu of insurance rejections) Letter describe diagnosis Need of Treatment – especially that future treatment includes multiple expensive surgeries
- Can reduce income contributing to SGA if: Impairment-related work expenses, or The work is “subsidized” (i.e. employee is being paid more than the work is worth)