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Old 03-25-2011, 01:48 AM   #1
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Default health insurance

Hi there,

I don't know if any of you have delt with this, but I just received confirmation that my daughter and I have qualified for MaineCare, the state health insurance. I have received very little information from them as of yet, but aparently have been covered since February. My question is, now that I have this, can I cancel my insuance through my work insurance plan? I pay about $300 a month for both of us, and it is a high detuctable ($5000) plan, so it only covers the bare min. I have been combing through the internet trying to find out what Maine Care actually covers and haven't found much.

I would really like to not have to pay the health insurance, as I can't really afford it.

confused and don't know what to do.

arg.
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Old 03-25-2011, 02:49 AM   #2
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Default Re: health insurance

Sorry, I am not much help. I hope some one will be able to help soon.
I do know taht part of Obamacare is mandatory Insurance. We are required to buy some.
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Old 03-25-2011, 07:48 AM   #3
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Default Re: health insurance

You never applied for "Mainecare", it just got...givin? Wow.
Were/are you on any public assistance at all?

Sorry I have no answers, only questions.
I have no insurance and cannot get any unless I just go with a completely private plan which I cannot possibly afford, so I find this post verrrrry interesting!
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Old 03-25-2011, 08:37 AM   #4
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Default Re: health insurance

i would keeep my private in all honesty, if you can afford it..(and keep the state one too)..Not a lot of places (at least in my area) take the state insurance. So you may be limiting your options. Plus what one doesn't cover the other might pick up.
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Old 03-25-2011, 08:48 AM   #5
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Default Re: health insurance

Totally depends on the state. Michigan state insurance is essentially Blue Cross/Blue Shield, and they cover kids if you make under a certain amount of money. I think in our state, 60% + are on state insurance. It is a reality in Michigan, where we have been hit very hard by the auto industry issues.

Sometimes you can deny your insurance at work, and pick up the state insurance.

I would definitely call the worker assigned to you and discuss it with her. Here it isn't really a big deal. Every 6 months they recertify you, just ask you if any changes.

I'm not one for state aid, if I can hack it, but the kids' health insurance is a must. If I didn't have it, I am positive that I would be 100s of thousands in debt (I have a medically fragile child who sees multiple specialists).

Sue
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Old 03-26-2011, 10:25 AM   #6
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Default Re: health insurance

No, I did apply for it, I just had not been told I had received it until last week. Even then it just said my daughter was covered. I called to find out if I was too, and that is when they told me that we both have had is since Feb.
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Old 03-26-2011, 01:13 PM   #7
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Default Re: health insurance

I would talk to your worker and ask her before canceling your work insurance. I know that in KY state insurance is based on your income, and if you cancel your work insurance then your income would go up, and possibly make you ineligible for the state care. (I had a situation where I recieved a $70.00 a MONTH payraise, and it made me ineligible for ANY state assistance.~I know...totally wrong, but that's the way our state is...the $70.00 a MONTH raise cost me over $300.00 per month)
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Old 11-23-2014, 02:37 PM   #8
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Default Re: health insurance

Honestly, I would keep your child on it. I have my own through work and then my child is on state insurance because of the child support. I can't afford to have both of us on my insurance. The state insurance covers everything. I know she's covered and it's a huge ease of mind. My ex pays child support and included in the child support are fees for state insurance so he's paying for her to be on it anyways.
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