Medicaid applicants and recipients can be required to pursue potentially available income, including Social Security, as a condition of receiving Medicaid, and also to apply for Medicare. (42 CFR 435.608; 18 NYCRR sec. 360-2.3 (c)(1); Medical Assistance Resource Guide [MARG] pp. 488-489.)
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NYS and NYC Directives and Alerts - Oct. 2017 and in 2018
In Oct. 2017, NYS DOH issued 17 OHIP ADM-01: "Medicare Enrollment at Age 65" (PDF) (Click here for html version and attachments). This ADM further implements NY Social Services Law Sec.366(2)(b)(1) which states: "Any person who is eligible for, or reasonably appears to meet the criteria of eligibility for, benefits under title XVIII of the federal social security act [Medicare] shall be required to apply for and fully utilize such benefits in accordance with this chapter." Also see NYS DOH Medicaid Reference Guide (MRG) page 415.
The ADM requires for the first time certain Medicaid applicants and beneficiaries to submit proof that they applied to enroll in Medicare - for new applicants at the time of application, or at the time of renewal, for current recipients. New applicants and people receiving renewals in NYC will receive this insert in their application or renewal package.
In December 2017, NYC HRA issued this Medicaid Alert implementing the State ADM in NYC.
On January 10, 2018, NYC HRA issued a CORRECTED Medicaid Alert revising the notices sent in December 2017 (See below).
NOTICES SENT to 30,000 Medicaid Recipients age 65+ Beginning November 2017 - Feb. 2018
From November - February 2018, about 30,000 Medicaid recipients over age 65 who do not have Medicare are receiving letters that they must return proof of application for or enrollment in Medicare to their local Dept. of Social Services, in order to retain Medicaid. The letters are going out in batches.
THOUGH THE LETTERS DO NOT SAY, CONSUMERS MAY REQUEST EXTENSION
Consumers may request an extension of time to apply for Medicare and submit proof that they applied. They may do this by phone in upstate counties and by mail/phone in NYC. In NYC, certified "C-Rep" representatives may submit MAP 3062c Request for Extension to the Undercare Processing Division. Or consumers or their reps may call Medicaid Helpline 1-888-692-6116. A failure to respond on time or ask for an extension before the due date will result in HRA/DSS issuing a Notice of intent to discontinue Medicaid coverage.
NOTE about new MAP FORM 3062c to Request Extension: The MAP Form 3062c posted on 1/24/18 is different than the MAP Form 3062a originally posted here. The 3062C allows you to specify an unlimited number of days to submit proof that you applied for Medicare. Form MAP 3062a, which is for requesting extra time to submit documents generally in applications and renewals, is limited to maximum 30 days.
Which Medicaid Recipients are receiving the Notices that they must Enroll in Medicare?
The notices are being mailed to Medicaid recipients who are:
NOTE about immigration status: PRUCOL immigrants were excluded from this mailing, since they are not eligible for Medicare. However, some immigrants may not be PRUCOL but are still not Lawful Permanent Residents. They may have legal immigration status to qualify for Medicaid, but are not eligible for Medicare. According to HRA, they must still apply for Medicare even though they will be denied based on their immigration status. HRA maintains that only the SSA can determine eligibility for Medicare, not HRA.
NOTE about income: If income is above 100% FPL (2018 $1012 single $1372 couple) but below SLIMB, the recipient will not be eligible for premium-free Part A. They should apply for Part B and "conditional" Part A, known as the "Part A Buy-In Program." In this program, enrollment in Part A is conditioned on being approved for QMB by DSS/HRA. (QMB is one of the 3 Medicare Savings Programs). Since they won't be approved for QMB, they will not be enrolled in Part A for free, and the conditional enrollment in Part A will not go through. This way they will not be billed for the high Part A premium ($422 in 2018). They will still be eligible for Medicaid.
5. SSI RECIPIENTS age 65+ should NOT be receiving these notices! If they are it is a mistake. They should automatically be enrolled in Medicare behind the scenes by the State through the "Buy-In" Agreement between NYS and the federal CMS. Call one of the contacts below in Where to Get Help.
WARNING - MEDICAID MAY BE DISCONTINUED - REQUEST a FAIR HEARING
These 30,000 Medicaid recipients risk having their Medicaid discontinued if they do not return proof that they applied for Medicare to the Local Dept. of Social Services. If they applied for Medicare but were not enrolled they should be given an extension.
Discontinuance of Medicaid can have serious consequences, including termination of home care.
Ask for a Fair Hearing right away if you did not receive an advance Notice of discontinuance or if there was an error.
The Medicare Rights Center created a Tip Sheet which explains this enrollment effort and provides helpful information on Medicare enrollment for those with Medicaid and no parts of Medicare. The Tip Sheet explains how they can enroll in Medicare without having to pay a premium.
Recommended Follow-Up for Consumers Newly Enrolled in Medicare:
Consumers newly enrolled in Medicare may need additional help with the transition:
This means entitlement benefits like annuities, pensions, retirement and disability benefits, veterans benefits and unemployment compensation. It does NOT include cash support. (MARG p. 561; 99 ADM-05)
The NYS Department of Health recently clarified in GIS 13 MA/005 - Buy-In for Individuals with Medicare who have not applied for Social Security Retirement Benefits [PDF] that this requirement to pursue potentially available income applies to Medicare Savings Program (MSP) applicants/recipients who are eligible for Social Security retirement benefits. These individuals cannot delay enrollment in Social Security and still qualify for MSP. This rule affects some people who would otherwise prefer to delay receipt of Social Security until after age 66 since the amount of the benefit increases for every year of delay until age 70. But one doesn't have that option if one wants Medicaid or an MSP.
EXCEPTION announced Oct. 2016: If the client is working full-time, they do NOT have to apply for Social Security benefits at age 62 or later. This was announced in GIS 16 MA/012, "Applying for Entitlement Benefits," which states, "When an A/R is still working full time, districts must not require the A/R to apply for Social Security Retirement benefits."
Enrolling in a pooled supplemental needs trust is an option to reduce countable income to qualify for Medicaid and/or MSP (re MSP see See Fair Hearing No. 4399513P (Nassau Co., Jan. 31, 2006)(available in WNYLC Online Resource Center, Fair Hearing Database, free registration required) .
This article was authored by the Empire Justice Center and New York Legal Assistance Group.