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Additional Details
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Mamauv2 | 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 with equity but the home is his only asset. He didn't save any money towards retirement. He became involved with auctions. He sells on ebay to financially make ends meet AND MADE LESS THAN $4,000.00 LAST YEAR. He recently had a triple bypass(heart) procedure and it will cost him over $100,000. He has seen social workers in the county he lives in , brought paperwork, and they put in a request for Medicaid . Medicaid approved. Then the last decision went to the Hospital Administrator. The hospital Administrator denied the claim because my father has "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!!
Additional Details
my father has no job. he is 61. there is no employment in the communtiy where he lives. what about bankruptcy? payments?
p.s. i have a gut feeling there are other alternatives.i.e - lawyer..bankruptcy..but i feel it is more than just these two!!! |
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Lori S
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First, unless your father has 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 in 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 was 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 add additional requirements and refuse to accept medicaid.
I suspect he was not approved for medicaid, but applied for charity care at the hospital. They have separate financial requirements that must be met in order to qualify-and equity in a home can be one.
Your only options are to see if the hospital will grant a partial approval or a cash discount and payments for his care and/or see if your dad can get an equity based loan on his house-or of course, bankruptcy.
Unfortunately, many states have implemented the Federal disability requirement for medicaid because there are simply too many people that ask for help for temporary conditions and the states cannot afford to cover all situations.
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Richie Rich
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All and all, talk with the hospital about setting up a payment plan in cash. It should be discounted for it.
If he has 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 enough to cover all of that.
If medicaid approved the claim and the hospital accepts government sponsored plans, they are required to accept payment. It's part of the requirements. I would suggest getting a lawyer for him. If the hospital does not accept payment, I would look at bankruptcy, but it may not be the best option. Given how much equity is in his house, he may be required to sell it.
I am no lawyer though. |
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baremp
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This appears to be hopeless just now - but there may be other means to solving the problem. You mentioned your dad had his own business - was he a member of the chamber of Commerce - they often have a life and medical insurance for members. 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 has forgotten he and still has in his possession.
If there is equity in his house, go to the bank and find out what he has and turn it around to his advantage.
If all else fails - go to see your county's representative in the political arena and ask him how he can help or if there is a program to help the elderly in your state.
It seem astounding to me that a rich country like the US would see
one of their own retired hard working citizens go without the basics.
Good luck |
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Worldly25
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Medicaid was the last resort. If he does not take out a mortgage on house to pay hosp bill, the hosp will put a lien on house and interest will keep growing. |
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car253
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I don't believe the hospital administrator can deny payment 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, then they should ac cept it as payment. I think that some one may be confused. They may accept 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 person. I am sure they accept Medi-cal or you will have to file for bankruptcy. |
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C
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First thought that popped into my head was: Why not refinance the house??? If he has equity on his property, why dont you refinance and take out the equity to pay for the cost? If he has credit card bills and car payments, he can just pay those off too and start on a blank slate with just mortgage payments. Good luck! |
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