Health insurance options for immigrant mom turning 65

RingCentral / Finance
Owle

RingCentral Finance

PRE
KPMG US, PwC
Owlemore
May 27 23 Comments

Hi blinders,
I'm a US Citizen and want to file an immigration petition for my mother (who has some pre-existing medical conditions). By the time she arrives in the US (in a year's time), she'll be 65 or close to 65. I'm concerned about her health care in the US since..
1) marketplace health insurance (such as coveredca.org) doesn't accept people over 65
2) and Medicare/MediCal (which accept people over 65) are available only for US Citizens or Legal Immigrants who have been in the US for at least 5 years.

Would appreciate the advice/suggestions of this group regarding my mother's healthcare.

TC 200k

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TOP 23 Comments
  • Amazon / Eng DeepObsess
    If she got green card yesterday then tomorrow she'll get full and free coverage with Medi-Cal period end of discussion. If a doctor can certify that she's not able to cook/do laundry/drive herself to the doctor/pick up prescription etc you can apply for IHSS so they pay you to do these chores, minimum around 40hrs/month at $14/hr tax free (paid for by Medi-Cal). Most of this payment really is tax free and doesn't even show up on your gross income.
    May 27 5
    • Yahoo Genius
      I agree, medical doesn't have the 5 years requirement. Not sure about Medicare
      May 27
    • Amazon / Eng DeepObsess
      Medicare is for people who paid into Medicare system (look at your pay check)
      May 27
    • Yahoo Genius
      I don't think so. Medicare is for the elderly regardless of whether they paid or not. We pay now for the elderly and when we get older, the younger generation pays for us. That's the spirit of the program.
      May 27
    • Amazon / Eng DeepObsess
      No people who are not eligible for Medicare will get Medicaid (Medi-Cal in California gets money from Medicaid) that's why in order to get Medi-Cal you need an ineligible letter from Medicare.
      May 27
    • Yahoo Genius
      Oh I see. So if an older person ( older than 65) is not qualified for Medicare, they fallback to MediCal. Good to know, thanks for the info.
      Yep I know that MediCal is inherently a Medicaid program for CA and money comes from federal and state contributions
      May 27
  • Yahoo Genius
    Which rule says she can't get Medicare because she's in the US less than 5 years?? Never heard of it!
    May 27 9
    • Workday hjkfdfh56
      In order to get Medicaid and CHIP coverage, many qualified non-citizens (such as many LPRs or green card holders) have a 5-year waiting period. This means they must wait 5 years after receiving "qualified" immigration status before they can get Medicaid and CHIP coverage. There are exceptions. For example, refugees, asylees, or LPRs who used to be refugees or asylees don’t have to wait 5 years.
      May 27
    • Salesforce oopperass
      Or, you know, MediCal, like op posted/asked about

      "Under current Medi-Cal policy, eligible green card holders get full scope Medi-Cal in California even if they have been in the United States for less than 5 years. "
      https://www.dhcs.ca.gov/services/medi-cal/eligibility/Pages/Medi-CalFAQs2014b.aspx
      May 27
    • Workday hjkfdfh56
      Good to know but can it be considered as public discharge while applying for usc ?
      May 27
    • Salesforce oopperass
      That will be interesting to see. I hope not, as even though I intended to buy insurance on the CoveredCA marketplace, I was only given option to sign up for MedicCal after going through the signup steps
      May 27
  • Tableau / Eng TacW56
    You’re out of luck. It takes years to get a green card because parents are not a priority class. And then once arrived it takes another 5+ years to get citizenship. What many would do in your situation is to have her visit on a tourist visa and then overstay it (not that I personally condone this). You would then be a position to need to pay out of pocket for her medical care. Any emergent care would be rendered by the hospital (per law), obviously saddling her with debt that they would not be able to collect. Again a risky move because you’re relying on the hospital declaring the care as a medical emergency. Also laws surrounding this vary according to the state you’re in. The best option, depending on her current country is to leave her there if she has access to quality healthcare, and use the money you save to visit her often.
    May 27 3
    • Microsoft Throw554
      The health care system is messed up
      May 27
    • Salesforce oopperass
      Took 1-2 years for my wife to get the green card for her mom (about 2 years ago). And then she qualified for MediCal so she has coverage when she moved here. But guess your reality is different than mine.
      May 27
    • Tableau / Eng TacW56
      Depends on the state as to what might be offered. For immigration it also depends on the country for the numerical limits.
      May 27
  • Microsoft / Eng ghantaa
    Following
    May 27 0
  • Workday hjkfdfh56
    Can’t u get insurance through ACA ?
    May 27 0
  • Salesforce oopperass
    Hmm we got MediCal for my 50 year old mother in law. She's been here less than 5 years. Granted she has no savings or income and lives with us. I went to coveredca to buy insurance for her but this is what they directed us to after going through the application steps.
    May 27 0