[Parentsgroup-list] MassHealth Primary Care Plan for baby

Kyla Ebels Duggan ebels at fas.harvard.edu
Wed Jul 26 23:46:43 EDT 2006


We insured our son directly through BC under a program called "Blue Care
for Kids" or something like that.  But I don't know how it would
compliment CMSP.

KED

On Wed, 26 Jul 2006, Elizabeth Lai wrote:

> 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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> > > > >
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