Re: About Healthcare Benefits for Workers with Disabilities

[Guest guest]

HBWD is a Medicaid program for those:

- under 65 years old

- must have a disability

- must be working at a job that pays into FICA

- allows you to earn more money

- allows you to save more money

- can only apply at one Medicaid office in Springfield

 

Traditional Medicaid - income for 1 person - under $928 monthly

HBWD Medicaid - income for 1 person - under $3159 monthly

Traditional Medicaid - assets  for 1 person - under $2000 & retirement accounts

count

HBWD Medicaid - assets for 1 person - allowed under $25,000 and qualified

retirement accounts are exempt.

 

Traditional Medicaid - if your income and/or assets are over the guideline, you

are assigned a spend-down (similar to a deductible). You do not get a Medicaid

card for any month where the spend-down is not met. After 3 straight months of

unmet spend-down, the Medicaid case can cancel.

 

HBWD Medicaid - you pay a monthly premium to BUY Medicaid. If HBWD does not

receive payment, the case will cancel. You can have the premium auto-deducted

from a credit or debit card but if the card expires, HBWD Medicaid will END.

They do not call you for a new card.

 

Hope this helps.

 

From: G Mrozak <mrsovaltine@...>

IPADD <IPADDUnite >

Sent: Thursday, June 30, 2011 11:31 AM

Subject: About Healthcare Benefits for Workers with Disabilities

 

My understanding (from hunting around their website) is that HBWD is aimed at

those who are

* working for pay (check)

* earning very little (check)

* don't have health insurance (before the end of 2011, check)

* and get Medicaid (for the moment, check)

My 25-year-old son has been working for a while, and although he is covered

under his father's employer's health insurance for another handful of months, I

am wondering if now is a good time to apply for HBWD...before Medicaid drops him

for earning too much.

Any thoughts from folks who have experience with HBWD?

-Gail

[Guest guest]

Are the incomes listed gross pay or net pay? He might be exceeding traditional

Medicaid's maximum monthly income, if we are talking about gross pay. And since

he's not spending every penny, he's around $2,000 in assets.

(He certainly is not anywhere near reaching the minimums for HBWD on his monthly

pay or assets, so that's no problem.)

To get on HBWD, does a person have to be currently receiving Medicaid?

To repeat my question, should I apply for him for HBWD now, or can I wait until

closer to his 26th birthday?

-Gail

________________________________

From: Sherri Schneider <benefithelpss@...>

" IPADDUnite " <IPADDUnite >

Sent: Thu, June 30, 2011 12:32:19 PM

Subject: Re: About Healthcare Benefits for Workers with

Disabilities

HBWD is a Medicaid program for those:

- under 65 years old

- must have a disability

- must be working at a job that pays into FICA

- allows you to earn more money

- allows you to save more money

- can only apply at one Medicaid office in Springfield

Traditional Medicaid - income for 1 person - under $928 monthly

HBWD Medicaid - income for 1 person - under $3159 monthly

Traditional Medicaid - assets for 1 person - under $2000 & retirement accounts

count

HBWD Medicaid - assets for 1 person - allowed under $25,000 and qualified

retirement accounts are exempt.

Traditional Medicaid - if your income and/or assets are over the guideline, you

are assigned a spend-down (similar to a deductible). You do not get a Medicaid

card for any month where the spend-down is not met. After 3 straight months of

unmet spend-down, the Medicaid case can cancel.

HBWD Medicaid - you pay a monthly premium to BUY Medicaid. If HBWD does not

receive payment, the case will cancel. You can have the premium auto-deducted

from a credit or debit card but if the card expires, HBWD Medicaid will END.

They do not call you for a new card.

Hope this helps.

From: G Mrozak <mrsovaltine@...>

IPADD <IPADDUnite >

Sent: Thursday, June 30, 2011 11:31 AM

Subject: About Healthcare Benefits for Workers with Disabilities

My understanding (from hunting around their website) is that HBWD is aimed at

those who are

* working for pay (check)

* earning very little (check)

* don't have health insurance (before the end of 2011, check)

* and get Medicaid (for the moment, check)

My 25-year-old son has been working for a while, and although he is covered

under his father's employer's health insurance for another handful of months, I

am wondering if now is a good time to apply for HBWD...before Medicaid drops him

for earning too much.

Any thoughts from folks who have experience with HBWD?

-Gail

[Guest guest]

As you move into the Medicaid pay situation ask about 1619B exemption

..Someone with more detail can help with that explanation. .A WIPA

coordinator I would think can give you the details.

[Guest guest]

I would suggest calling Mariel, if you are not in her area she can probably

answer your questions or give you the right person to call.

Shirley

Mariel R. Hamer I Community Work Incentive Coordinator

Illinois Assistive Technology Program I Work Incentive Planning and Assistance

mhamer@... I www.iltech.org

Direct: (630)219-4025 I Work Cell: (217)720-6535

Toll free: (800)807-6962 I Fax: (217)558-6059

Serving: N. Cook, McHenry, Lake, Kane, DuPage

From: G Mrozak <mrsovaltine@...>

Subject: About Healthcare Benefits for Workers with Disabilities

" IPADD " <IPADDUnite >

Date: Thursday, June 30, 2011, 4:31 PM

 

My understanding (from hunting around their website) is that HBWD is aimed at

those who are

* working for pay (check)

* earning very little (check)

* don't have health insurance (before the end of 2011, check)

* and get Medicaid (for the moment, check)

My 25-year-old son has been working for a while, and although he is covered

under his father's employer's health insurance for another handful of months, I

am wondering if now is a good time to apply for HBWD...before Medicaid drops him

for earning too much.

Any thoughts from folks who have experience with HBWD?

-Gail

[Guest guest]

Incomes listed are Gross pay.

You do not have to be currently on Medicaid to apply for HBWD.

I really like HBWD because some one can start saving money - even start a ROTH

IRA.

You cannot really apply for HBWD until he/she is eligible.  Why pay for

Medicaid when you may be able to get it for free.

Hope this helps.

From: G Mrozak <mrsovaltine@...>

IPADDUnite

Sent: Friday, July 1, 2011 9:16 AM

Subject: Re: About Healthcare Benefits for Workers with

Disabilities

 

Are the incomes listed gross pay or net pay? He might be exceeding traditional

Medicaid's maximum monthly income, if we are talking about gross pay. And since

he's not spending every penny, he's around $2,000 in assets.

(He certainly is not anywhere near reaching the minimums for HBWD on his monthly

pay or assets, so that's no problem.)

To get on HBWD, does a person have to be currently receiving Medicaid?

To repeat my question, should I apply for him for HBWD now, or can I wait until

closer to his 26th birthday?

-Gail

________________________________

From: Sherri Schneider <benefithelpss@...>

" IPADDUnite " <IPADDUnite >

Sent: Thu, June 30, 2011 12:32:19 PM

Subject: Re: About Healthcare Benefits for Workers with

Disabilities

HBWD is a Medicaid program for those:

- under 65 years old

- must have a disability

- must be working at a job that pays into FICA

- allows you to earn more money

- allows you to save more money

- can only apply at one Medicaid office in Springfield

Traditional Medicaid - income for 1 person - under $928 monthly

HBWD Medicaid - income for 1 person - under $3159 monthly

Traditional Medicaid - assets for 1 person - under $2000 & retirement accounts

count

HBWD Medicaid - assets for 1 person - allowed under $25,000 and qualified

retirement accounts are exempt.

Traditional Medicaid - if your income and/or assets are over the guideline, you

are assigned a spend-down (similar to a deductible). You do not get a Medicaid

card for any month where the spend-down is not met. After 3 straight months of

unmet spend-down, the Medicaid case can cancel.

HBWD Medicaid - you pay a monthly premium to BUY Medicaid. If HBWD does not

receive payment, the case will cancel. You can have the premium auto-deducted

from a credit or debit card but if the card expires, HBWD Medicaid will END.

They do not call you for a new card.

Hope this helps.

From: G Mrozak <mrsovaltine@...>

IPADD <IPADDUnite >

Sent: Thursday, June 30, 2011 11:31 AM

Subject: About Healthcare Benefits for Workers with Disabilities

My understanding (from hunting around their website) is that HBWD is aimed at

those who are

* working for pay (check)

* earning very little (check)

* don't have health insurance (before the end of 2011, check)

* and get Medicaid (for the moment, check)

My 25-year-old son has been working for a while, and although he is covered

under his father's employer's health insurance for another handful of months, I

am wondering if now is a good time to apply for HBWD...before Medicaid drops him

for earning too much.

Any thoughts from folks who have experience with HBWD?

-Gail