Give Notice Of Divorce Within 30 Days
If you change your marital status, youre required to give your health plan notice in a timely manner, Matthew Tassey, past chairman of the Life and Health Insurance Foundation for Education , says. Timely is usually within 30 days.
Once your divorce is final, the ex-spouses coverage is likely terminated immediately.
However, some plans will let you stay on until the end of the month following the date of the divorce, Tassey notes.
Adding A Dependent To A Family Plan Outside Of Open Enrollment
hellomy parents added the family plan at California but at that time, Im not with them, attending the college so my name is not on it. Now I finished my semester and at California now. My parents want me to be added at the family plan since Im a dependent. How can I do that? What kind of document I need to bring?
Medicaid In New York State
- COVID-19 News and Updates:
- COVID Information for Medicaid Consumers:
- Medicaid Coverage through Your Local Department of Social Services during the Coronavirus Emergency –
- Medicaid Telehealth Services During the Coronavirus Emergency –
- IRS Form 1095-B Update:
- The 1095-B form for Tax Year 2020 is no longer being mailed automatically.If you need a copy of your 1095-B for Tax Year 2020, you can request it:
- By e-mail – or
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Enrolling Via The Health Insurance Marketplace
Repaying Health Insurance Benefits
There are good reasons to notify your employer of a divorce once its final. If you dont, you could face repercussions.
First, you could be liable for any benefits the health plan pays for your ex.
If you dont tell them and there is a claim, the insurance company can try and recover the cost of the claim from you, Tassey says.
Legally, you would have to reimburse your health plan.
Your ex-spouse will become liable for all medical expenses from the date of the divorce unless he or she opts for continued coverage through COBRA, Jurney says.
Second, there could be tax implications. An exs coverage cant be paid for with pre-tax dollars.
The value of the health coverage provided to the ex-spouse is taxable to the employee, to the extent it is not paid for with post-tax dollars, says Sonkin.
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When To Contact Your State Medicaid Agency
In order to assist you in getting a timely response, please contact your State Medicaid Agency for any questions on the following:
If you need assistance in any of the areas noted, you will need to contact the agency for Medicaid/CHIP in your state of residence or the state you have questions about in order to receive assistance. Please contact your state for all state-related Medicaid questions.
Missed Or Canceled Appointments
When members do not show up for a scheduled appointment, it creates an unused appointment slot that could have been used for another member. It is very important to keep appointments and call the provider in advance if you cannot make it to a scheduled appointment. Medicaid providers cannot bill a member for no-show/missed appointments. However, a provider may discharge a member from their practice after so many no-show/missed appointments. The provider must have the same policy for Medicaid members as non-Medicaid members, and must notify Medicaid members that the policy exists.
For a full list of member rights and responsibilities, see the Member Rights and Responsibilities Section of the Member Guide
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Frequently Asked Questions For Current Medicaid Beneficiaries
What is a Community Spouse?
A community spouse is someone whose husband/wife is currently institutionalized or living in a nursing home. The community spouse is not currently living in a nursing home and usually resides at the couple´s home.
I am a community spouse. Will I be allowed to keep any income or resources?
If your spouse is institutionalized or living in a nursing home, you will be permitted to keep some income known as a minimum monthly maintenance needs allowance . If you are currently receiving income in excess of the minimum monthly maintenance needs allowance, you may be asked to contribute twenty-five percent of the excess income to the cost of care for the institution
How do I find my local Medicaid office?
The Medicaid office is located in your local department of social services. A listing of offices can be located here:
If you live in the five boroughs of New York City, your offices are run by the Human Resources Administration . A listing of offices can be found here:
How do I order a new benefit card?
If your Medicaid is with your LDSS, to order a new Medicaid Benefit Identification Card, please call or visit your
If your Medicaid is with the and you need to order a new benefit card please call the call center at 1-855-355-5777.
Members residing in the five boroughs of NYC can call the HRA Infoline at 1 557-1399 or the HRA Medicaid Helpline at 1 692-6116.
How often do I have to renew?
Situation : You/your Boyfriend Is Considered A Tax Dependent
But its whether youre a tax dependent that gets most people. Remember, all thats required is for at least half of your expenses to be covered by the tax filer.
Being generous and covering your other halfs expenses can turn around and bite you. Heck, even splitting costs evenly will make you a tax dependent!
If you think about how many of your biggest expenses are shared e.g. rent, groceries, gas, etc, youll see that its not hard to be considered a tax dependent of the other!
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If I Get Married Can I Add My Spouses Child To My Health Plan Is There A Time Frame In Which Enrollment Must Take Place
A stepchild is an eligible to stay on a parents plan up to the age of 26. If your coverage is through an employer group plan that provides benefits to children, youre given at least 30 days to enroll the new dependent.
An eligible child can be a biological child, adopted child, stepchild or foster child, according to the Affordable Care Act. The child doesnt have to live with you, be a student or still be in school to be covered by your health coverage.
The federal rule states you have at least 30 days, but an employer could give you a longer period, says Rich Gisonny, senior consultant at Towers Watson in White Plains, New York.
This gives employees a reasonable period to make a decision and complete the enrollment.
However, employer-based coverage doesnt have to cover children. Gisonny says theres no employer mandate that it must cover employee families.
How Do You Remove Dependents From Health Insurance
You can remove family members from your health insurance during any time of the year. You dont have to wait until open enrollment to make that change.
Removing a family member may change your type of coverage, such as moving from family coverage to single coverage. In that case, you may actually save money by removing a family member from your health coverage.
Divorces are painful, and there are often health insurance implications. Lets walk through the process of removing a former spouse from your health plans.
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My insurance company nor HealthCare.gov seems to know the answer to thisWhen I add my newly born daughter to my policy, HealthCare.gov makes you choose a plan and click ENROLL. Im already enrolled in a plan. I dont want to change my plan. I just wan to add a dependent. However, if I click ENROLL will it terminate my old plan, create a new plan, and reset my the deductible and maximum-out-of-pocket requirements in which I have already met?
If you add a person to an existing family plan then you dont need to cancel your old plan and by no means should you. If however you are switching from an individual policy to a family plan then you do. You should call your insurer directly and explain to them what is going on to make sure the transition is smooth.
Hi. I want to add my daughter to my insurance through obamacare. What do I need to add her?
If you qualify for special enrollment, then yes. If not you may not have an option. I would start with the insurer or the marketplace for help.
This is the sort of sad result of cracking down on special enrollment which was done under Trumps HHS. It is this sort of small detail that always gets overlooked in the national conversation.
It seems like tightening up rules will reduce fraud, but there is always collateral damage.
Sorry to hear this, do keep on them until the reverse the decision.
Does Your Boyfriend Fall Under The Household Definition For Medicaid
Medicaids definition of a household follows the same criteria when you file your taxes
Typically the household can be represented by this formula:
Tax filer + spouse + tax dependents = Household
Tax filer, spouse, tax dependents? Those terms might be making your head spin. Lets go through each of them now:
- Tax filer: this refers to the person who is required to file their tax return. You typically have to file a tax return if youre under 65, single and are earning more than $12,000 a year.
- Your spouse: the person who is legally married to the tax filer. Merely living together, or being in a domestic partnership that is not marriage, does not make someone your spouse!
- Filers tax dependents: these are people that the tax filer financially supports for the year. This means that the tax filer bears the cost of at least half of the dependents expenses, such as food, shelter, etc.
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Consider Using An Attorney
You can purchase the appropriate software or a deed form from any office supply store or legal website to create a joint tenancy deed, but consider working with a local estate planning attorney or a real estate attorney instead.
One wrong or a missing word on your joint tenancy deed can lead to probate of the property.
State laws can be very specific about how a deed must be worded to create rights of survivorship, and these forms and software aren’t always state-specific.
How Does Medicaid Work
The Medicaid program does not provide health care services for everyone. Your application will be reviewed for all Medicaid programs. If you are found eligible for Medicaid, you will get:
- A letter in the mail from Medicaid telling you about your coverage
- A Medicaid ID card
- A Healthy Louisiana plan ID card, if you enroll in a plan.
Each time you go to your health care provider or pharmacy, take your Medicaid ID and Healthy LA plan ID cards with you. Show them at all medical visits before you receive any service. The health care provider or pharmacy will tell you if they accept your Medicaid benefits. You should also ask your health care provider or pharmacy if the service or prescription is covered by Medicaid before receiving the service or filling a prescription.
Medicaid does not pay money to you instead, it sends payments directly to your health care provider or pharmacy.
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Danger When Medicaid Recipients Become A Joint Bank Account Holder
This is a well-intentioned mistake made all the time. The intention,like my potential clientâs is usually for one person to simply pay bills when the other joint account holder cannot. The potential client was practically screaming,âI was just trying to help my blind mother live! The nurse needs to be paid,her electric bill needs to be paid, she canât do it herself!!â However, the Florida Medicaid section 1640.0301 explains that when an individual joint account holder has unrestricted access to the funds in the account,Medicaid must presume all the funds in the account are owned by the individual .
So, regardless of the intentions of my potential client, he didn’t realize that DCF is required to presume that he had full access to the joint bank accounts with his mother.
But 1640.0302.01 states that DCF, âmust allow the to submit evidence to challenge this presumption.â
Potential Problems With Joint Tenancies
You won’t be able to sell the property, refinance the mortgage, or take out a new mortgage without your child’s consent if you give him partial ownership in a joint tenancy deed. These actions require the consent of all owners.
Worse, your child could legally sell his interest in the property to a third party, perhaps to a stranger, without your consent if you don’t word the deed correctly.
If your child ends up with a tax lien, creditor problems, or in divorce court, the government, creditors, or his ex-spouse can claim your home or at least your child’s ownership share of it in a joint tenancy situation. In that situation, the entity can place a lien on your property and attempt to force its sale to collect on its debt.
You’ll also make a transfer of an asset that will delay Medicaid eligibility if you apply for assistance within five years after creating a joint tenancy deed. You’ve effectively given a portion of your property away, which can affect the timing of eligibility.
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Pay For Your Expenses Separately
One way is to be very careful about what expenses are yours and what are your boyfriends. Then, make sure that you pay for your own things.
We know that this can be very hard, especially if youre living together. But you have to be disciplined about this: rent and groceries are split in the middle. And each of you has to pay your own medical expenses, gas, etc.
Some people even go so far as to uphold the appearance of being roommates. Were not sure exactly what this would entail, but perhaps you wouldnt want to share any memberships to shops and the like.
The Unified Tax Credit
The gift tax and the estate tax share the same lifetime exemptionthey’re “unified.” If you give away a lot of expensive property during your lifetime, filing Form 709 each time effectively shifts the balance over the annual exemption amount each year to your lifetime exemption.
Ultimately, this approach leaves less of an estate tax exemption to shelter your remaining assets from estate taxes when you die But because the same credit shelters both the gift and your estate, that’s somewhat moot.
That said, here’s a bit of good news: The lifetime gift tax/estate tax exemption is $11.7 million per donor in 2021 and $12.1 million in 2022.
Most people will not trigger estate taxes when they leave an estate to their heirs because of the high exemption.
That’s a lot of property. If you’re able to use a beneficiary deed, the estate tax involved with transferring the property that way would be covered by the same lifetime exemption. Keep in mind that any assets that escape probate contribute to your taxable estate.
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New Requirement For Medicaid Effective November 2017
If you are turning age 65 within the next three months or you are age 65 or older, you may be entitled to additional medical benefits through the Medicare program. You may be required to apply for Medicare as a condition of eligibility for Medicaid.
Medicare is a federal health insurance program for people age 65 and for certain people with disabilities, regardless of income. When a person has both Medicare and Medicaid, Medicare pays first and Medicaid pays second.
You are required to apply for Medicare if:
- You have Chronic Renal Failure or Amyotrophic Lateral Sclerosis OR
- You are turning age 65 in the next three months or are already age 65 or older AND your income is below 120% of the Federal Poverty Level , or is at or below the applicable Medicaid Standard, then the Medicaid program will pay or reimburse you the cost of your Medicare premiums. If the Medicaid program can pay your premiums, you will be required to apply for Medicare as a condition of Medicaid eligibility.
If you have Medicaid and appear to be eligible for Medicare based on any of the criteria above, you must apply and show proof of Medicare application, or risk losing your Medicaid coverage.
When you apply for MEDICARE:
If you go to your local SSA office, you should bring:
- Proof of date of birth and
- Proof of U.S. citizenship or lawful residence and
- A copy of your Social Security card and your Medicaid card.
Proof of Medicare application can be:
- Social Security Administration 1-800-772-1213
