My LO has Medigap health insurance and has been approved for NH/LTC Medicaid. Medicaid allows continued payment of insurance premiums from monthly income and balance less PNA goes to NH/LTC facility. I've talked to many - some say to keep it and that Medicaid encourages it, others say I absolutely don't need it. Trying to find a reason or a loophole to keep it with examples or any personal experiences by not keeping it. Thank you.
It did seem to me that his insurance paid almost nothing anyway, and Medicaid picked up the rest. It was the same cost to him either way.
Your LO doesn’t get to keep the money if you cancel it. They are only allowed to keep the PN allowance either way. But if you have the insurance you might be able to get a service that they wouldn’t be able to get otherwise.