[Parentsgroup-list] MassHealth Primary Care Plan for baby

Elizabeth Lai laielizabeth at yahoo.com
Wed Jul 26 20:35:45 EDT 2006


Hi all
   
  I just approached HUGHP and they insisted that " dependants must carry the HUHS to enroll in the BCBS."  ie I cannot to opt for BCBS without HUHS.
   
  Any idea how to get direct BCBS insurance for in-patient costs to complement my daughter's CMSP coverage?
   
  Many thanks
  Elizabeth
  

Christine Dianne Wenc <wenc at fas.harvard.edu> wrote:
  
One thing you should keep in mind--if you take BCBS and not HUHS, you lose
your prescription drug coverage. I found this out the hard way a couple
of years ago at the pharmacy cash register. (I had opted out of the
HUHS coverage because I was not living in Massachusetts at the time.
The drug coverage, however, works all over the country as long as you
are at an approved pharmacy which is all the big ones.)

I was on leave at the time, though--so you may have to be on leave to be
able to skip the HUHS coverage. (On the leave of absence form they ask
you whether you want the BCBS coverage, which is good all over the country
too as long as the provider is in the network.)

As far as I know this has not changed. (though maybe you can get drug coverage through
Masshealth??)

--Christine


On Sun, 23 Jul 2006, Elizabeth Lai wrote:

> Hi all
>
> My child only qualifies for the Children's Medical Security Plan CMSP) which excludes in-paitent hospital care.
>
> 1. I was led to believe that HUHS/BCBS comes in a package - ie I could not opt out of HUHS and continue with BCBS. From earlier emails below - it appears that it is possible to combine Mass health and BCBS without HUHS. Please advise how to proceed alone this path.
>
> 2. Is there a in-patient health insurance plan to complements CMSP that I could secure that will work out to be lower cost than HUHS/BCBS ?
>
> Many thanks
>
> Sincerely
> Elizabeth
>
>
>
>
>
>
>
> Anna Shusterman wrote:
> This certainly would have helped my family when we were shelling out for HUHS health insurance. My husband had no insurance a the time so HUHS was our only option.
>
> As a group, we should pressure HUHS member services to advertise mass health programs when grad students sign their dependents up for coverage. Perhaps we can make a hot-sheet that the member services folks can hand out with the other forms.
>
> Is there any movement to get our collective wisdom onto a website?
>
> Anna
>
>
> On 7/23/06, jhickman at fas.harvard.edu wrote: Kevin,
>
> That is exactly what I'm saying. If you qualify for Mass Health, you likely
> also qualify for Mass Health Premium Assistance which means that your son can
> stay enrolled in the HUHS Blue Cross-Blue Sheild (BCBS) plan and you will
> receive reinbursement through Mass Health to help pay your BCBS premiums. We
> have been receiving monthly assistance through the plan since my son was born 3
> years ago and have been on the HUHS BCBS plan the entire time. Enrolling in the
> Premium Assistance Program is really the way to go if you are happy with your
> HUHS BCBS coverages and services. Plus, if you do go out of state for travel
> or short term research, your child will still be covered by BCBS network
> providers (as we have done several times). Essentially NOTHING will change
> with your current coverages or services but you will get help paying your
> premiums. It's been the ideal solution for our family.
>
> Aimee
>
> Quoting kmokeefe at fas.harvard.edu:
>
> > Aimee,
> >
> > I am a GSAS student. My 19-month-old son is also enrolled the HUHS/Blue
> > Cross-Blue Shield plan. Are you saying that, if we qualify, Mass Health
> > Premium Assistance will reimburse up to $160/month of my son's premium
> > without
> > any changes to his coverage/benefits?
> >
> > Kevin O'Keefe
> > kmokeefe at fas.harvard.edu
> >
> >
> > Quoting jhickman at fas.harvard.edu:
> >
> > > My children have been on Mass Health Premium Assistance for the last 3
> > years
> > > and
> > > it is a FANTASTIC program. Essentially, if you qualify for any kind of
> > Mass
> > > Health, you can apply for this program and Mass Health will pay part or all
> > > of
> > > your insurance premiums for other insurance plans--in fact, I think Mass
> > > Health
> > > prefers to do it this way as their only cost is only insurance premiums
> > > instead
> > > of hospital bills. My husband is a GSAS student and both of our children
> > are
> > > on HUHS Blue Cross Blue Shield which is great because Blue Cross Blue
> > Shield
> > > IS
> > > covered out of state (with co-pays) and you can also stay with the HUHS
> > > services
> > > and not have to switch doctors (we also see Elizabeth Miller and LOVE
> > her!).
> > > In
> > > addition to all of the documents you needed to submit to apply for Mass
> > > Health,
> > > you just need to fill out another document that proves that you are on a
> > > health
> > > insurance plan and then they will send you checks monthly (up to
> > $160/child)
> > > to
> > > cover your premiums. I have found Rose Candelora at the Premium Assistance
> > > office to be especially helpful. Her e-mail is RCANDELORA at pcgus.com .
> > >
> > > Good Luck!
> > > Aimee Hickman
> > >
> > >
> > > Quoting geren at fas.harvard.edu:
> > >
> > > > My son has only been using MassHealth since earlier this summer (the
> > state
> > > > switched us over from CMSP when elgibility criteria changed). So far my
> > big
> > > > concern is that if you travel out of state your child is essentially
> > > > uninsured.
> > > > However, everything we have needed so far has been free, no copays for
> > > office
> > > > visits, durable medical equipment or prescriptions (the services we have
> > > need
> > > > so far). We kept our regular doctor and we are covered at Children's
> > > > Hospital.
> > > > I would like to hear what others who have been on MassHealth for longer
> > > have
> > > > to
> > > > say about it. Also, does anyone know where to find the information on
> > what
> > > > services are covered and who is eligible? The information online is out
> > of
> > > > date
> > > > and when I requested an information packet they sent the same out of date
> > > > information.
> > > >
> > > > What is the difference between student and postdoc/staff insurance other
> > > than
> > > > students not having copays at HUHS? I have been quite happy with my
> > > > insurance.
> > > > Unfortunately I have taken advantage of many of the services, but I only
> > > > rarely
> > > > have to pay copays (for things like surgery, ambulance service, etc.) and
> > > > while
> > > > specialist visits outside of HUHS are limited we seem to have access to a
> > > > large
> > > > number of specialists at HUHS. What problems have you experienced with
> > the
> > > > insurance?
> > > >
> > > > Best,
> > > > Joy Geren
> > > >
> > > >
> > > > Quoting Chi-Kuo Hu :
> > > >
> > > > > Hello, is here anyone who has experience on MassHealth? I am an
> > > > > international
> > > > > student in GSAS. My three-month-old son just got granted the
> > MassHealth
> > > > and
> > > > > now I need to pick up one primary care plan for him. Anyone who ever
> > in
> > > > the
> > > > > MassHealth plan can give me any suggestion? Right now my son is in
> > > > HUHS/BCBS
> > > > > and we love our doctor (Elizabeth Miller) very much. Does any
> > MassHealth
> > > > > primary care provider plan covers doctors from childrens hospital like
> > > > > Dr.Miller?
> > > > >
> > > > > Besides, what is the major difference between HUHS/BCBS and
> > > MassHealth/PCP
> > > > ?
> > > > > Is
> > > > > the former significantly better than the latter? My personal feeling
> > is
> > > > > Harvard
> > > > > insurance for student is not good enough and much worse than the
> > > insurance
> > > > > for
> > > > > staff/postdoc. We pay more but have less benefit in returen. Is the
> > > > > MassHealth even worse than HUHS/BCBS? Since MassHealth is free, I am
> > > very
> > > > > happy it could save some money from my not-that-deep pocket, but also
> > > worry
> > > > > about the quality at the same time.
> > > > >
> > > > > Any feedback will be appreciated. Thank you!
> > > > >
> > > > > Chi-Kuo
> > > > >
> > > > >
> > > > >
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