Join for Just $16 A Year
- Discounts on travel and everyday savings
- Subscription to AARP The Magazine
- Free membership for your spouse or partner
Welcome to the AARP Discussion Board. Here you can talk with peers about current events ranging from Social Security to caring for your parents to the latest on health care reform. It is also the perfect place to exchange healthy eating recipes and job hunting tips.
These forums are for you to engage and have fun meeting new people. Just remember the community code: Be nice!
If I drop my Medicaid coverage and opt for Medigap, could there be adverse consequences?
posted at December 5, 2011 6:52 PM EST
First: December 5, 2011
Last: December 5, 2011
Hello all, this is my first post.
I'm younger than the typical retirement age, but have been receiving SSDI for several years. My Medicare coverage also began after about 18 months, at which time I also began receiving a small SDI payment which goes to support supplemental coverage administered by my state's Medicaid system (in my case Medi-Cal).
Because of expected cuts to Medi-Cal, I'm considering signing up for a medigap plan such as the ones from United Healthcare endorsed here. As it happens, I also receive Medi-Cal coverage which picks up most of the "other" 20%, which has been fine up to now. It seems like it might be worthwhile to leave Medi-Cal and sign up for a private medigap plan. My question is this: could that lead to adverse attention from my state office? For example, could some auditor decide that if I've just signed up for my own medigap plan which I'm paying for, then I might not have needed their help previously up to that point, and institute overpayment collection? I won't have any additional income next year aside from the SS adjustment, but my Medi-Cal funded medigap coverage looks like it's going to be noticeably less comprehensive.