My friend has IA Medicaid and is 28 years old. She had it for 4 yrs and can she get a copy on what she wrote on her application paper? She gets a renewal every year and are they checking her bank accounts every year for eligibilty? On her 5 yr look back will she have to reapply on application how she did 5 yrs ago or do they just check tax income or bank accounts also to see if she can still be on it?
All she needs to do, like said, is be truthful. Send all paperwork requested.
And keep copies of everything sent. This way if the caseworker calls she has the info she sent in front of her.
Maybe she will lose some coverage or have to buy insurance, that is what she may be facing, but if she lies to protect her savings she could be facing losing her coverage and losing it forever. Fraud is a crime and a conviction can make you ineligible for public assistance for life.
If she has to pay a share of costs until she is eligible that is far better than the alternative.
My nephew is on "workability" with Medicaid in NJ. There is a cap on what he can make and what he can have in the bank. Have ur friend call her caseworker and find out what she is allowed to have in savings and cap on her earnings.
Gifting is not wise when a person is getting help thru Medicaid. It can effect them being able to continue getting help. If she is over what is allowed, maybe she "can" give the gift back.
https://www.benefits.gov/benefit/1388
Why not help your friend ring them up and ask them?
I have never done a 5 year look back on my nephew's medicaid for healthcare. Once a year he gets paperwork from Medicaid. He works, so he sends in a month of payroll checks. Copies of statements of his bank accounts which are the current month.
There is no need to know what was on her initial application. The yearly eligibility forms are updates to the initial one. Her continuing Medicaid is based on the yearly eligibility not on the initial one.
Medicaid 5 yr look back is for Long term Care. That's when you need to provide 5 years of bank statements. With these, they look for large amounts of money going out of the acct. These will be questioned.
I always make copies of everything I send to Medicaid. Never know when they will get lost in the mail.
She is on a cycle where they renew her every year, so she doesnt fill out any paperwork. So even though she is on the renewal cycle for 5 years. On her 5th year they dont do a look back, thats only for long term care right?
Yes that is a good idea because she realized it now. The only issue is that she is not sure what she sent in as far as bank statements go, that is why she wanting the records, to see what she put down. Because she has probably $10,000 in her savings whenever she initially started for Medicaid and maybe a $1,000 or so in her checking account. Is savings has built up to around $20,000 but she still makes less than $14,000 in income each year because some of the money in savings is a gift. The issue is that she does not work a lot so she does not make a lot of income per month because she has several mental health issues and intellectual disorders where she sees several doctors in a month. And without Medicaid can't afford paying for it because then her savings would be wiped out. So whenever she reapplies how will she do it because she is not sure if she remembers that she wrote at the beginning of application $10,000 in her savings account and they let her on. And now she has $20,000 in her savings. And if they keep renewing her for the past 5 years would they have already known that she had this money in her bank or do they just go off by tax income what you make monthly?