Are children who have private health insurance still eligible for Medicaid?

Answer 1

In all states that I'm aware of you can have both. In fact, Medicaid would rather you have private insurance because their costs will then be lower. The private insurance will be primary and Medicaid will be secondary, paying the co-pays and deductibles that the private insurance doesn't pay. You do, however, need to make sure the doctor you go to will accept both plans.

Answer 2

In general, probably not - especially if they're healthy and there's no financial need. But, if a child has serious health issues that could max out their private health insurance, then they are. They view it as it could cause a financial need at that point.

In NY, the only exception to this are foster children. Even if they're adopted by the foster family, they're still eligible for medicaid for a certain period of time.

Answer 3

Yes, they absolutely can have both. (Of course, the child still has to meet the criteria to be eligible for Medicaid.)

Any other insurance company is always primary over Medicaid. So, if you have private insurance, it will pay first. The only thing that Medicaid would pick up would be amounts not covered by your private insurance company...deductibles, copays, excluded items, etc.

I know this from professional experience. However, I also know this directly from personal experience too. My husband's sister has been disabled since birth. She's covered by Medicaid due to her disability, but is also a dependent on my father-in-law's employer policy.

(And yes, of course Medicaid is aware that people have dual coverage - they have to get a copy of the private insurer's explanation of benefits in order to pay the balance left over after private insurance has paid.) :)

Answer 4

Medicaid is different from state to state. Some will work with the family that has a medical plan in existence. All of it is based on family income. For the most part it is for families who do not have health insurance due to very low income.

Answer 5

I suggest you to try this web page where you can compare quotes from the best companies: http://INSURECOMPAREQUOTES.US/index.html?src=2YAlasfnO69ae

RE :Are children who have private health insurance still eligible for Medicaid?
1 following 6 answers

Answer 6

No they are not eligible, Medicaid is for children or adults who CANNOT afford health insurance. If the state finds out they have both the parents may have to pay for those expenses Medicaid paid for so I would be very careful.

Answer 7

no they are not they only allowed to have the one or the other