How does Medicaid work as a secondary health insurance?

Question

I am pregnant and on my mother's insurance (Bluecross Blueshield). I was wondering if anyone knew about what would happen if I also got Medicaid to take care of the expenses that BCBS does not cover... I don't really know if this a good idea or not...

Answer 1

I also have BCBS through my mother, which is listed as the primary insurance at my OB's office. I applied for Medicaid and now have it as my secondary insurance. I simply updated my information with my OB's office once I received the information from Medicaid, and they added it to my file.

When I registered at the hospital where I will deliver, I was told to only list Medicaid as the insurance, as it can cause problems when they try to process BCBS, and it gets declined. If you do receive Medicaid, ask the hospital registration staff where you will deliver, if it is best to list only Medicaid.

It is a good idea to apply for Medicaid, since your BCBS plan may not cover any prenatal care, my plan does not. Medicaid covers all of it, down to the delivery. If you do apply and receive Medicaid benefits, just make sure to give the information to your OB as soon as you get it, so they can update your records and you can have your expenses covered as soon as possible.

Best wishes and take care!

Answer 2

Medicaid As Secondary Insurance

Answer 3

This Site Might Help You.

RE:
How does Medicaid work as a secondary health insurance?
I am pregnant and on my mother's insurance (Bluecross Blueshield). I was wondering if anyone knew about what would happen if I also got Medicaid to take care of the expenses that BCBS does not cover... I don't really know if this a good idea or not...

Answer 4

This Site Might Help You.

RE:
How does Medicaid work as a secondary health insurance?
I am pregnant and on my mother's insurance (Bluecross Blueshield). I was wondering if anyone knew about what would happen if I also got Medicaid to take care of the expenses that BCBS does not cover... I don't really know if this a good idea or not...

Answer 5

Actually you can have medicaid and health insurance! It all depends on you circumstances and your income! As a secondary insurance, Medicaid will pay for whatever your health insurance doesn't! I suggest you contact your local medicaid office and talk about your options!

Answer 6

Usually, if there is another form of Insurance. Medicaid will have them cover as much as possible, the remaining balance will be covered by your medicaid. I had the same situation.
If you have other questions go to your local welfare department and they can provide you with a detailed description of their specific medicaid program.

Answer 7

Contact Social Services in your county. They will tell you what you are eligible for.

I had Blue Cross/Blue Shield, Medicare and Medicaid all at the same time. What they do is coordinate coverage. I didn't have to pay anything at all. Medicaid even paid my premium for BC/BS.

BC/BS normally covers everything, but if you have a high deductible, that doesn't always help you.

Answer 8

If you are low enough income for it, I don't see why not. If you cannot afford to pay what BCBS doesn't cover (which from what I've heard is ALOT) then take advantage of what you can. You are going to have alot of expenses coming up really soon when you have that baby. An excess of medical bills wont do you any good. If we give free prenatal care to illegal aliens I don't see why you shouldn't deserve it just as much if not more. Good luck and congrats.

Answer 9

They won't deny you because you will have a primary insurance company..We billed the primary in your case would be blue cross blue shield and submitted any additional charges to medicaid..Congrats and good luck

Answer 10

Most likely, your bluecross insurnace will be billed first and then anything that would come out of your pocket, like co-pay or prescriptions, etc. should be covered by medicaid. Good Luck!