6 months ago

Look Inside Young Adult Road Map

2 Guiding Star Point

2 Guiding Star Point Two: Learn System Basics How Insurance Plans Compare When there are so many types of insurance plans available, it’s difficult to know which ones are best to meet your needs. Look at the table below to see the different types of plans, how you can be eligible for each, and the considerations to keep in mind. Source of Plan Parents’/caregivers’ plan Eligibility Must be a dependent (claimed on parent/guardian’s income tax form as relying on them for financial support). Must be less than 26 years old. Considerations The stability of your relationship with your parents/caregivers is important, as they will need to handle the paperwork for you. Public plan (such as Medicaid) Community and non-profit programs that have subsidized (partly paid) programs for those who do not qualify for Medicaid. Through your college/university Your employer Must meet state requirements for income level or disability. Must meet the requirements of the plan. These vary. Must be enrolled in a college/university that offers health care services. The school may require full-time status before you can be eligible. May need to be employed full-time or work a minimum number of hours each week. Income and eligibility requirements for people with disabilities are not the same for each state. Things change from one year to the next based on state budgets. You may lose Medicaid if your annual income goes up. Check with several organizations to find out if you are eligible. Be sure to find out (and get a written explanation) of any amounts you will owe and find out whether this plan will allow you to see the providers you want to see. Services for certain conditions, especially mental health services, may be limited. On the other hand, you may be able to get many routine services through the student health clinic. You may be required to have annual screenings or choose from different policy options during the enrollment process. 24

Editorial Board Notes Contributed by: Shelby Haisley Tips on Applying for Medicaid (Free/Low-cost State Insurance) Young Adult Road Map Editorial Board Member Shelby Haisley (BSW, CYC-A) shared some of her personal experiences in the field: As a service provider for young adults, I have assisted many young adults with applying for health insurance. Here are some “do’s” for going through the application process. l Do ask for support. Find someone who has applied for Medicaid before or ask a service provider for help if you have questions. You can also assign someone to be your “Authorized Representative.” This means they can call Medicaid on your behalf and receive the same mail you do. This is helpful, especially for your service provider to check on the status of your case. l Do turn in any supplemental documents as soon as possible. Medicaid will send you a letter asking for proof of address, income, etc. Ask your support system for help if needed. Take all documentation to the local Medicaid office. Don’t fax it. This way, all your documents will be stamped to show that the office received them on that date. l Do keep any stamped, dated documents sent from your local Medicaid office. If the office loses the originals, you can show you did turn them in on time. l Do be patient. It can take up to three months for your case to be processed. However, if you have questions, go to your local office to get status updates on your case. l Do go to your local office to ask questions if you can. Many offices just have an 800 number, which is automated. You can go to the office and get your questions answered by a real person quicker than sitting on hold for an hour. The local office also will be more familiar with your case. l Do keep all your paperwork! Medicaid handles many cases and may lose documents or forget to scan them to your electronic file. If they lose your documents, you could lose your insurance coverage. 25