Confounding Case Bleg
“Unusual situation referred to me by agent in another state.
Mother-in-law relocated to Atlanta from Pakistan. Green card holder, age 71. Health status unknown (didn’t ask). Looking at possible options. Coming up empty or “are you kidding”.
■ Medicaid – possibly the best option depending on how they define household income.
■ Obamacare – I assume she can qualify but no subsidy. Outrageous premiums and OOP
■ International travel medical – pre-ex snake pit
■ Health share ministry – must be Christian? Other religious affinity including Muslim? Pre-ex? Not readily accepted by docs/hospitals since no guarantee of payment. HSM is a very remote possibility but want to throw that out as an option
.”I checked the 404Care.gov site, and was surprised to learn that “Gained citizenship or lawful presence in the U.S.” triggers a Special Open Enrollment opportunity.
So, armed with her new zip code, I went plan shopping. The least expensive option was a Bronze level Blue Cross plan with a $6,750 deductible and a $740 a month price tag.
The advantage, though, is that it’s guaranteed issue and pre-existing conditions are covered right away.
Since we don’t know her health status, it’s impossible to determine whether or not other non-Medicaid options would work (since they all have either underwriting, or pre-existing conditions limitations, or both).
I also thought about “Dave’s Plan,” but the age cut-off for that is 64½.
Alas and alack.
So, suggestions welcome.
Source: http://insureblog.blogspot.com/2019/07/confounding-case-bleg.html
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