Situations That May Impact Your Ability To Obtain Health Insurance

You may qualify for Medicaid (Medi-cal in California) -- the government program for people with limited income and assets. If you don't qualify, you can give away assets to qualify. There needs to be lead time between when you give away assets and qualify for nursing home care, but all other health care is likely to be available immediately -- including home assistance.

It is a misconception to think that only doctors in poor areas accept patients with Medicaid. Many doctors connected with teaching, research and university hospitals, as well as other well qualified doctors, accept Medicaid.

One way to qualify for Medicaid is to give away your assets. We don't recommend giving away your assets just to qualify for Medicaid. You may need funds to continue your lifestyle or for unexpected expenses. However, if this is the only way to get the health care you need, it is your right. Before considering such a major step, speak with a local attorney or a qualified social worker who is familiar with this situation.

If a patient becomes eligible for Medical Assistance benefits while hospitalized, a social worker may provide guidance through the application process.

Medicaid receives state as well as federal funding. Benefits, level of payment and days of hospitalization may vary from state to state.  If you don't qualify for Medicaid in the state in which you live, see if there is a state for which you may qualify. (Also check to see if there are any residency requirements -- requirements about how long you have to live in the state before you can qualify for Medicaid.) It's a drastic step, but your health, and possibly your life, are at stake.

To learn about the Medicaid eligibility requirements in your state, see: How To Get An Understanding Of The Insurance Situation In Your State

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