American Scandal, Obamacare, Medicaid, and their Stripping of Assets from Poor People [View all]
I had heard about this before but I didnt realize how this attack on people's assets when they die is so aggressive-
- this is a huge problem - and it needs to be addressed now.
Because jobs are going away for good so people need to be able to pass on whatever assets they have to their children. This provision seems designed to drive poor and middle income Americans out of the US.
How can Americans support a system that deliberately intimidates poor people from going to the doctor by means of this terrifying medicaid asset recovery program.
Imagine you are a single parent, have children and you get sick, but cannot afford US healthcare. This program seems designed to prevent people from going to the doctor.
There are variations in the ways in which states implement estate recovery, depending upon their Medicaid program and state laws. However, Federal law requires all states to incorporate the following protections for Medicaid recipients into the design of their estate recovery program:
The State should notify Medicaid recipients about the estate recovery program during their initial application for Medicaid eligibility and annual re-determination process.
The State must notify affected survivors about the initiation of estate recovery and give them an opportunity to claim an exemption based on hardship.
The State must establish procedures and criteria to waive recovery if it would cause undue hardship.
The letter went on to say that the final CMS Health Insurance Marketplace application (healthcare.gov) notifies applicants about Medicaids right to pursue and recover any money from other health insurance, legal settlements or other third parties but does not disclose estate recovery. Since estate recovery is one of the terms of the Medicaid contract, it is deceptive to omit disclosure of this practice. CMS was asked to provide the reasons for this omission.
CMS responded evasively to the concerned citizens question. CMS claimed that the Health Insurance Marketplace application at healthcare.gov does not disclose Medicaids right to claim against the estate, because CMS wanted to provide flexibility to state Medicaid agencies as to how each one notifies applicants about estate recovery. Some states have developed pamphlets to address common estate recovery questions or devote a portion of a general Medicaid pamphlet to the subject. Some states also post their state plans, perhaps with additional explanatory text, on their web sites.