Affording Healthcare

Affording healthcare is difficult. Insurance pays for some of the cost. If you qualify, government-sponsored Medicare or Medicaid may pay all or part of the bill. Sometimes, your job or a family member’s health plan covering the one needing supplies may foot the bill. However, even with insurance, many medical supplies and other essentials are paid for out-of-pocket.

Medical costs add up and take a toll on a family’s savings. However, knowing which vendors sell for less, where to buy in bulk, and what may be used as a cheaper substitute helps make a dollar go further. In addition, caregivers can help one another by sharing that information.

Virginia’s Medicaid Programs

Cardinal Care Managed Care   Virginia’s Medicaid Managed Care program offers multiple options to enrollees. Individuals have a choice regarding the healthcare benefit they select based on their location and personal healthcare needs. Each plan offers a basic healthcare benefit plan plus extra benefits that might influence the selection. Selections in 2023 included

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Reducing Assets to Meet Medicaid Eligibility

Reducing Assets to Meet Medicaid Eligibility   Medically Needy Pathway – Income Too High   Seniors aged 65 and over who exceed the Medicaid income limits may become eligible by using the money that exceeds the income limits to pay off medical bills. They can use the extra income to pay off insurance premiums, hospital

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Social Security and Medicare Eligibility

Retiring with Social Security and Medicare    Social Security and Medicare are Part of a Government-Sponsored Retirement Plan Social Security and Medicare are part of a government-sponsored retirement plan for qualified working Americans. If you held a job that earned over a set amount each year (amount changed over time) throughout your working lifetime, you

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Children with disabilities qualify for Medicaid quicker than adults because they usually do not have income or assets that limit direct access.

Applying for Medicaid

 Virginia’s Medicaid Structure Features Cardinal Care When most individuals think about needing financial assistance for medical needs, I believe they associate Medicare with the elderly and Medicaid with children and individuals with limited or no income. Both provide medical insurance coverage, but Medicaid helps with other needs besides medical costs. Previously within the Medicaid framework

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