Losing your Medicaid coverage? You have options

May 12, 2023

(written by Medica)

When the Covid health pandemic hit the country, Congress enacted provisions that allowed Medicaid programs to keep individuals continuously enrolled in the program until the Public Health Emergency (PHE) ended.

Recent legislation now provides states with a date – April 1, 2023 – when they can begin to terminate Medicaid enrollees who are no longer eligible. This process, referred to as “unwinding,” is resuming after a three-year pause.

For many Medicaid enrollees, this is the first time experiencing routine eligibility determinations. Between 40,000-80,000 individuals are expected to be impacted in Nebraska.

How do you know if your coverage has changed?

Letters are being sent to individuals who no longer meet eligibility requirements. These notifications may provide a date when coverage will end. They also offer information on how to access the federal marketplace to see if they qualify for premiums subsidies.

Here’s what to do

For Medicaid recipients, an important first step is to make sure your contact information is up to date. If you’ve moved or changed your email address or phone number, update this information right away at www.ACCESSNebraska.ne.gov or by calling ACCESS Nebraska at (855) 632-7633.

Next, it’s important to understand your options if losing coverage.

The first question is whether you have access to employer group coverage, either through work or through a family member.

If you do not, another option is to check with the marketplace to determine if you qualify for a low-premium health insurance plan. Insurance carriers like Medica offer marketplace plans in Nebraska, and the cost can vary based on your income and the plan you choose.

Assistance is available

Confused? Not sure where to turn first? Don’t worry – there are organizations to help you through the process.

Health Center Association of Nebraska (HCAN) has staff across Nebraska trained to help individuals find resources, answer questions, and identify options for the health care they need. Go to www.hcanebraska.org for more information.

Another option is to reach out to a licensed health insurance agent. They work with insurance carriers like Medica (www.medica.com) and others to offer health insurance options that meet the needs of Nebraskans. Medica is a non-profit health insurance company that offers individual, Medicare and employer coverage in Nebraska.

So remember, help is available to guide you through the process and help you understand your options. All you have to do is reach out.