WILL MY FATHER(TRIPLE BYPASS PATIENT) LOSE HIS HOUSE( OR/ANDEVERYTHING)DUE TO NO INSURANCE?
My father is a retired mechanic(owned his own business). He is 61 years old(62 in february) He is a wisconsin resident. He has a home next to equity but the home is his only asset. He didn't save any money towards retirement. He become involved with auctions. He sells on ebay to financially receive ends meet AND MADE LESS THAN $4,000.00 LAST YEAR. He recently have a triple bypass(heart) procedure and it will cost him over $100,000. He has seen social workers surrounded by the county he lives in , brought paperwork, and they put in a request for Medicaid . Medicaid approved. Then the later decision went to the Hospital Administrator. The hospital Administrator denied the claim because my father have "too much equity in his home" This is a crock of %&*#! What can he do? What other alternatives does he have? Will he lose everything? PLEASE HELP!!
Answers:
Medicaid was the last resort. If he does not pilfer out a mortgage on house to pay hosp bill, the hosp will put a lien on house and interest will keep growing.
First thought that popped into my head was: Why not refinance the house? If he have equity on his property, why dont you refinance and take out the equity to pay for the cost? If he have credit card bills and car payments, he can just rate those off too and start on a blank slate with in recent times mortgage payments. Good luck!
This appears to be hopeless just very soon - but there may be other means to solving the problem. You mentioned your dad have his own business - was he a member of the chamber of Commerce - they recurrently have a life and medical insurance for member. Also with no significant income he should be getting medicaid, look around his personal papers there may be financial products he bought years ago and have forgotten he and still has in his possession.
If in that is equity in his house, go to the guard and find out what he has and turn it around to his advantage.
If adjectives else fails - go to see your county's representative within the political arena and ask him how he can help or if there is a program to relieve the elderly in your state.
It seem astounding to me that a rich country resembling the US would see
one of their own retired hard working citizens go minus the basics.
Good luck
I don't believe the hospital administrator can deny expense that will be made by Medicaid.
You can call Medi-cal and ask them. And, ask the hospital administrator if they accept Medi-cal. If they do, later they should ac cept it as payment. I think that some one may be confused. They may adopt medi-cal but not give you any special treatment or credit due to the house. Talk to them again. Ask for that person's manager. Good Luck.
Speak to the right personality. I am sure they accept Medi-cal or you will have to profile for bankruptcy.
First, unless your father have a total disability (one that is expected to last more than 1 year as determined by the Social Security Administration) he would not be eligible for medicaid contained by WI. He may qualify for food stamps or other programs,but not medical care.The equity in his home is not a consideration for approval for medicaid-only income and disability.
BUT, if medicaid be approved (since we don't know all the facts) and the hospital accepts medicaid (and 99% do for medical costs), the hospital must bill medicaid. The hospital cannot append additional requirements and refuse to adopt medicaid.
I suspect he was not approved for medicaid, but applied for charity care at the hospital. They own separate financial requirements that must be met in order to qualify-and equity contained by a home can be one.
Your only options are to see if the hospital will allow a partial approval or a cash discount and payments for his care and/or see if your dad can get hold of an equity based loan on his house-or of course, ruin.
Unfortunately, many states have implement the Federal disability requirement for medicaid because there are simply too many associates that ask for help for temporary conditions and the states cannot afford to cover adjectives situations.
All and all, chat with the hospital about setting up a clearing plan in cash. It should be discounted for it.
If he have no income though, how can he pay for food, electric, internet, etc? You stated he has no retirement and $4k a year is not really satisfactory to cover all of that.
If medicaid approved the claim and the hospital accepts political affairs sponsored plans, they are required to accept payment. It's subdivision of the requirements. I would suggest getting a lawyer for him. If the hospital does not accept money, I would look at bankruptcy, but it may not be the best option. Given how much equity is contained by his house, he may be required to sell it.
I am no lawyer though.
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Answers:
Medicaid was the last resort. If he does not pilfer out a mortgage on house to pay hosp bill, the hosp will put a lien on house and interest will keep growing.
First thought that popped into my head was: Why not refinance the house? If he have equity on his property, why dont you refinance and take out the equity to pay for the cost? If he have credit card bills and car payments, he can just rate those off too and start on a blank slate with in recent times mortgage payments. Good luck!
This appears to be hopeless just very soon - but there may be other means to solving the problem. You mentioned your dad have his own business - was he a member of the chamber of Commerce - they recurrently have a life and medical insurance for member. Also with no significant income he should be getting medicaid, look around his personal papers there may be financial products he bought years ago and have forgotten he and still has in his possession.
If in that is equity in his house, go to the guard and find out what he has and turn it around to his advantage.
If adjectives else fails - go to see your county's representative within the political arena and ask him how he can help or if there is a program to relieve the elderly in your state.
It seem astounding to me that a rich country resembling the US would see
one of their own retired hard working citizens go minus the basics.
Good luck
I don't believe the hospital administrator can deny expense that will be made by Medicaid.
You can call Medi-cal and ask them. And, ask the hospital administrator if they accept Medi-cal. If they do, later they should ac cept it as payment. I think that some one may be confused. They may adopt medi-cal but not give you any special treatment or credit due to the house. Talk to them again. Ask for that person's manager. Good Luck.
Speak to the right personality. I am sure they accept Medi-cal or you will have to profile for bankruptcy.
First, unless your father have a total disability (one that is expected to last more than 1 year as determined by the Social Security Administration) he would not be eligible for medicaid contained by WI. He may qualify for food stamps or other programs,but not medical care.The equity in his home is not a consideration for approval for medicaid-only income and disability.
BUT, if medicaid be approved (since we don't know all the facts) and the hospital accepts medicaid (and 99% do for medical costs), the hospital must bill medicaid. The hospital cannot append additional requirements and refuse to adopt medicaid.
I suspect he was not approved for medicaid, but applied for charity care at the hospital. They own separate financial requirements that must be met in order to qualify-and equity contained by a home can be one.
Your only options are to see if the hospital will allow a partial approval or a cash discount and payments for his care and/or see if your dad can get hold of an equity based loan on his house-or of course, ruin.
Unfortunately, many states have implement the Federal disability requirement for medicaid because there are simply too many associates that ask for help for temporary conditions and the states cannot afford to cover adjectives situations.
All and all, chat with the hospital about setting up a clearing plan in cash. It should be discounted for it.
If he have no income though, how can he pay for food, electric, internet, etc? You stated he has no retirement and $4k a year is not really satisfactory to cover all of that.
If medicaid approved the claim and the hospital accepts political affairs sponsored plans, they are required to accept payment. It's subdivision of the requirements. I would suggest getting a lawyer for him. If the hospital does not accept money, I would look at bankruptcy, but it may not be the best option. Given how much equity is contained by his house, he may be required to sell it.
I am no lawyer though.
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