I had signed him up for disability in Aug. He gets SSDI and now the Medicaid was taken cause “he makes too much $”. I have a son that’s on disability. But I have no insurance for my husband and myself. They have him on a spend down but I feel as if it’s no help. I don’t know what to do.
He doesn’t have siblings and his mom is in bad health and is no help. I’m on my own and I don’t want to be.
But if the person has many Dr. appointment, medication,hospitalizations, rescue and so forth then take all bills to Social Service to put on a “Spindown” .
If your husband is on a "spend down" that usually means that he qualifies with his monthly income but currently has too many assets (money in the bank or autos) to qualify. If that's the case, then purchasing health insurance or paying medical expenses like doctor visits and medications should be good spend down expenses. Check with the Medicaid person or the elder law attorney.
Your husband will be able to get Medicare in 2 years. "Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. "
For yourself and your husband in the short term, some doctor's are running "black bag" practices where they do not take insurance and so patients pay a set fee each month that provides access to the doctor (office visits, webcam, phone, sometimes even home visits) when you need it. The service doesn't include tests or medicines so there are still some additional expenses but a lot of conditions can be treated with low cost generic medications. There's a couple in my area that are $65-75 a month and provide excellent care.
If your husband is on a "spend down" that usually means that he qualifies with his monthly income but currently has too many assets (money in the bank or autos) to qualify. If that's the case, then purchasing health insurance or paying medical expenses like doctor visits and medications should be good spend down expenses. Check with the Medicaid person or the elder law attorney.
Your husband will be able to get Medicare in 2 years. "Everyone eligible for Social Security Disability Insurance (SSDI) benefits is also eligible for Medicare after a 24-month qualifying period. "
For yourself and your husband in the short term, some doctor's are running "black bag" practices where they do not take insurance and so patients pay a set fee each month that provides access to the doctor (office visits, webcam, phone, sometimes even home visits) when you need it. The service doesn't include tests or medicines so there are still some additional expenses but a lot of conditions can be treated with low cost generic medications. There's a couple in my area that are $65-75 a month and provide excellent care.
Have you already called Area Agency on Aging? Try them for direction.
I don’t know what a “spin down” is but hopefully someone will be responding soon that can give you more suggestions.
Some meds we can’t pay for like Trulicity for sugar and the Neurologist wants to put him on a medication in hope I think she said to help with bathroom stuff. She said it coat to much out of pocket.
I am new at this and I’m learning slowly and still not sure of a lot.
He passed out on the 2nd and called 911 . He was admitted then stayed till the 4th. The Social Worker said he shows no issues while in the hospital and she had no concerns that he’s able to do some things on his own, like make his self a sandwich and do lightly things. (He just turned 50 in Jan). Before he passed out and was admitted he just sits around in a chair and sleeps a lot off and on all day. But while he was in the hospital he acted like his old real self. Now he’s been released he is back to doing nothing but sits on his bumb.
Not the same person he was while in the hospital.
My son is 19 and he has his own disability. That’s a great help for him.
With my husband being 50 and have these issues and was the one that took some what care financially compares to now I’m just hanging out and learning slowly while stressing out. I already have Chrons and having a hard time to buy my supplies that is a must.