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View Diary: Obamacare glitch puts Republicans in a bind (57 comments)

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  •  What do you mean? (1+ / 0-)
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    splashoil

    I haven't heard about this.

    Women create the entire labor force. ---------------------------------------------------------------------------------------- Sympathy is the strongest instinct in human nature. - Charles Darwin

    by splashy on Tue Jun 18, 2013 at 11:41:13 AM PDT

    [ Parent ]

    •  Thanks for Asking! (0+ / 0-)

      Arizona is up front about the clawback, even warning that your assets are at risk.

      Before enrolling in ALTCS, if an applicant or family member is concerned about AHCCCS’ claim that will be filed against the estate, the applicant and/or family member should evaluate the financial benefits of enrolling the applicant in ALTCS. Because ALTCS payments made on the member’s behalf can exceed the actual costs of services provided, and accrue even if no medical service is provided, it is very important that ALTCS applicants (and family members) make an informed decision about enrolling in ALTCS. This is especially true for those ALTCS applicants who elect to remain in their own home and do not enter a nursing home. The applicant and family member should review whether it is better financially and medically for the applicant to pay for his/her needed medical services out-of-pocket (what won’t be paid by Medicare and/or other insurance) rather than enrolling in ALTCS and incurring a claim against their estate. Individuals who do not require many medical services may not wish to enroll in ALTCS because their estate will be responsible for payment to AHCCCS of all ALTCS payments that are listed in question 5 above.
      An ALTCS applicant may voluntarily withdraw his/her ALTCS application. An ALTCS enrolled member may elect to stop ALTCS enrollment at any time, to stop accruing additional AHCCCS capitation and other costs that will be included in AHCCCS’ claim against the estate.
      Both the insurance (privatized Medicaid) and the lien collection at death are privatized for optimum extraction.

      This is a feature incorporated into O'care.  Here is Washington State.

      By law, Washington State may recover (be paid back) payments DSHS made for all Medicaid and long-term care services you received prior to your death. Payment is taken from the your estate (assets you owned or had an interest in at the time of death). This is called Estate Recovery.
      Washington State will recover the cost of all Medicaid-funded services (federal and state-funded programs) and long-term care services from age 55, including:
      • Doctor visits
      • Hospital stays
      • Prescription drugs
      • Medical equipment
      • All other medical services
      • Nursing home services
      • Waivers services (COPES and New Freedom) • Medicaid personal care services
      • Adult day health
      • Private duty nursing
      • Managed care premiums
      This is true for every state.  It's been under the radar for most of us, but now the reality is near.
      •  And yet they don't want a "death tax" (1+ / 0-)
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        splashoil

        Which is basically what this is.

        Yeah, we can't have medical care that doesn't bankrupt people, no way.

        Women create the entire labor force. ---------------------------------------------------------------------------------------- Sympathy is the strongest instinct in human nature. - Charles Darwin

        by splashy on Thu Jun 20, 2013 at 10:17:59 AM PDT

        [ Parent ]

        •  A Generational Thing Too. (0+ / 0-)

          Notice the "tab" does not start until you are 55+.  I guess us old folks were assumed to be Hillary supporters!  Thrown under the bus like this, I think many will stay home in future elections.  On the other hand, younger voters may not care, unless the family home is now beyond their grasp.
          I live near Canada, in Bellingham WA.  My neighbors to the North are aghast when this is explained to them.  There is no clawback in Canada, no copays, no deductibles, one good standard of care for all.  No insurance rentiers taking 30% in fees and commissions.
          We need Single Payer now.

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