- About R&B
How much do I have to pay R&B Solutions to help me?
If you are referred to us by a hospital, there is no cost to you for our services. They are provided by the hospital as a service to you. If you are asking for assistance in applying for Social Security benefits, there may be costs but they vary. You would need to talk to us to determine that.
Is R&B Solutions a collection agency?
No, R&B Solutions helps patients who are uninsured or under insured to apply for and qualify for different types of assistance to help them have a way to pay their medical bills. If you do not qualify for any of this assistance, we refer you back to the hospital business office to work with them on making arrangements to apply for hospital financial assistance or work on payment arrangements. We do NOT try to collect any money from you.
What does R&B Solutions do?
Patients are referred to us by hospitals after they have been admitted or when a hospitalization is planned. We talk to you to see if you may qualify for any programs to help you be able to get help with your bills. We work with Medicaid in any of the United States, Crime Victim Assistance programs, and other local, state, and federal programs that may help you with your medical bills. If you may qualify, we help you complete and file the application, collect any documents that you may need to submit, review the decision for accuracy and can assist with appeals if necessary. If you are considering filing for Social Security benefits, we may be able to assist you with that process too.
- Immigration Status
Are there any forms of public assistance that I can receive without becoming inadmissible as a public charge if I should later apply for a visa, admission, or adjustment of status?
The only benefits that are relevant to the public charge decision are public cash assistance for income maintenance and institutionalization for long-term care at Government expense. Institutionalization for short periods for rehabilitation purposes will not be considered. Non-cash public benefits are not considered because they are of a supplemental nature and do not demonstrate primary dependence on the Government.
Although it is not possible to list all of the non-cash public benefits that will not be considered, you will not risk being found inadmissible as an alien likely to become a public charge by receiving non-cash benefits under the following programs or benefit categories:
- The Food Stamp program, 7 U.S.C. 2011, et seq.,
- The Medicaid program, 42 U.S.C. 1396, et seq. (other than payments under the Medicaid program for long-term institutional care);
- The Children's Health Insurance Program (CHIP), 42 U.S.C. 1397aa, et seq.;
- Health insurance and health services (other than public benefits for costs of institutionalization for long-term care), including, but not limited to, emergency medical services, public benefits for immunizations and for testing and treatment of symptoms of communicable diseases, and use of health clinics;
- Nutrition programs, including, but not limited to, the Special Supplemental Nutrition Program for Women, Infants and Children (WIC), 42 U.S.C. 1786; and programs that operate under the National School Lunch Act, 42 U.S.C. 1751 et seq.; the Child Nutrition Act, 42 U.S.C. 1771 et seq.; and the Emergency Food Assistance Act, 7 U.S.C. 7501 et seq.;
I am undocumented. Will I have problems with immigration if I apply? Will it affect my ability to get legal documents later?
If you apply for Medical benefits, you are not considered to have been a ‘public charge’ and therefore, should have problems in applying for legalization. Applying for food stamps and cash benefits often does cause problems with the ‘public charge’ rule. You cannot be turned into immigration for applying for medical benefits only. Your information must be kept confidential.
What is the meaning of "public charge" for admissibility and adjustment of status purposes?
"Public charge" for purposes of admissibility and adjustment of status means an alien who is likely to become primarily dependent on the Government for subsistence as demonstrated by either:
(i) The receipt of public cash assistance for income maintenance purposes, or
(ii) Institutionalization for long-term care at Government expense (other than imprisonment for conviction of a crime).
(2) Institutionalization for short periods for rehabilitation purposes does not demonstrate primary dependence on the Government.
What specific benefits are considered to be "public cash assistance for income maintenance"?
Public benefits considered to be "public cash assistance for income maintenance" include:
- Supplemental Security Income (SSI)
- Temporary Assistance for Needy Families (TANF)
- State and local cash assistance programs for income maintenance (often called State "General Assistance," but which may exist under other names).
Are there Special Programs for individuals with Breast and Cervical Cancer?
Yes. Breast and Cervical Cancer Treatment Program (BCCTP) provides needed cancer treatment to eligible individuals diagnosed with breast and/or cervical cancer and who are in need of treatment.
Can I Get Help From Medicaid With Medicare Costs?
Yes. Medicare is different from Medicaid. Medicare is a federal health insurance program run by the Centers for Medicare and Medicaid Services. It is available to most people 65 years of age or older and certain disabled or blind persons, regardless of income. Medicare Part "A" covers hospitalization. Medicare Part "B" covers doctor bills. Medicare Part "D" makes prescription drug coverage available to all Medicare beneficiaries.
If you receive Medicare, you may qualify for the following special Medicaid programs:
- The Qualified Medicare Beneficiary program pays for the Medicare Part A and B premiums, co-insurance and deductibles. To be eligible you must have income at or below 100% of the Federal Poverty Level.
- The Specified Low-Income Beneficiary and Qualifying Individual 1 program pays for the Medicare Part "B" premium. To be eligible you must have income below 135% of the Federal Poverty Level.
- The Qualified Disabled Working Individual program pays the Medicare Part "A" premium. To be eligible you must have income at or below 200% of the Federal Poverty Level, be disabled, be employed and eligible under any other Medicaid program.
Even if you do not qualify for the above assistance programs, your Medicare A & B premiums can be used as allowable deductions in the Medicaid share of costs calculation.
Does Medicaid help with doctors bills?
As a general rule, if you qualify for Medicaid to get your hospital bills paid, this should assist you with your other medical bills including doctor bills, prescriptions, dentist, etc.
How can Medicaid help you?
The Medicaid program assists people in various family and medical situations. When you apply, the information you provide on your Medicaid Application and any required verification (proof) will be used to determine which program(s) you qualify for, and which program is best for you and your family.
How do I apply for Medicaid?
You can apply directly with the local office in the state where you live. You do not have to have assistance from R&B to be able to apply for assistance. However, if R&B does help you apply, we can also help make sure that all the verification documents that are needed are supplied to the eligibility worker timely. We can also evaluate if you are denied and help you with an appeal if you were denied incorrectly.
How is Medicaid different from Medicare?
Medicare is health insurance administered through the federal Social Security Administration for people over 65 and some disabled people; it is not based on income limits.
Medicaid is a health care assistance program for certain low-income people and families who qualify. To qualify, people must meet specific requirements including income and resource limits.
How long will the eligibility process take?
Most applications for assistance should be processed within 30-45 days of being filed. A great deal depends on what program you may be eligible for. A determination of disability generally takes a lot longer than other types of assistance. Also, if you are able to assist in the collection of your verification documents, that speeds things up considerably.
I am Disabled and Working: Can Medicaid Help Me?
Yes. The 250 Percent Working Disabled program allows you to buy into the Medicare program by paying monthly premiums on a sliding scale based on your monthly income. Premiums range from a minimum of $20 to a maximum of $250 per month for an eligible individual, or from $30 to $375 for an eligible couple.
To be eligible for the 250 Percent Working Disabled program, you must:
- Continue to meet the federal definition of disability as defined in federal law for Social Security disability programs, although you are able to work, pay a monthly premium based on net countable income, and meet all other non-financial Medicaid eligibility requirements.
If I die, will my family have to reimburse the Medicaid program from my estate?
Yes. The State has the right to recover medical assistance costs from recipients of who received services while age 55 and older or from individuals of any age who are permanent residents of a nursing facility. There are some exceptions. For additional information, you can contact R&B Solutions or your local Medicaid agency.
If I own property will a lien be placed on it if I receive medical assistance?
No, not for most Medicaid recipients. If you are a permanent resident of a nursing facility a lien may be placed on your property under certain circumstances. For additional information refer to the R&B Solutions or your local Medicaid agency.
Is There A Special Program For Children and Pregnant Women?
Yes. Pregnant women and children may have more income and property than other people and still qualify for no-cost Medicaid services. The income guidelines are different for children under age 1, children 1 to 6, and children 6 to 19. Your family property, such as savings accounts or cars, is not used to determine eligibility if monthly income falls within certain limits.
My caseworker has told me I make too much money to qualify. How can you help me?
Many states have programs for people who are medically needy. This means that you may be over income for some Medicaid programs, but you have medical bills that cause you to be needy. You may qualify with a spenddown , excess, or share of cost. These are all terms that different states use to mean the same thing. This is much like a deductible functions in regular health insurance. You may be responsible for part of your bills and Medicaid would pay any bills that are more than your spenddown or deductible. The Medically Needy programs vary from state to state so you would want to check with your Patient Advocate at R&B to see if you may qualify for a Medically Needy program.
My caseworker has told me I would have a spenddown. I don’t have the money to pay that – is there any point in me applying?
Yes, you do not have to pay a spenddown or deductible to receive a medical card. You only have to be responsible for that many dollars in bills. Once you verify that you owe the bill, that should meet the requirement for you to get the medical card. Then you can work with the providers whose bills were used to meet your spenddown or deductible to see if you qualify for any financial assistance to help you with the spenddown, or you can work out a payment arrangement over time with the providers. In some cases you can submit bills that you paid for previously to meet the spenddown and not have to pay any more. Check with your Patient Advocate at R&B to see how your situation fits in with the spenddown rules for where you live.
What are my responsibilities to receive medical assistance?
Verification – When you apply you must give complete and correct facts to the interviewer. You must provide proof of income you receive, value of assets you own, who lives in your home, your address and any other factors that affect your eligibility.
Changes – You must tell your caseworker promptly of any changes that might affect your eligibility. This includes changes of address and any changes in your income and assets such as earnings, Social Security benefits or money from insurance settlements. You must report these changes within 10 days after they happen. You will receive advance notice of any decreases, increases or termination of your grant.
What if I live in a different state that the one where I was in the hospital?
R&B Solutions can help determine if you may be eligible for benefits in the state where you live and can assist you with the application process regardless of which state you live in.
What If I'm Disabled?
If you feel you are disabled, tell us on your application and let your eligibility worker know this when you mail in your application. There are certain criteria you must meet to receive Medicaid on the basis of disability. You must have severe physical and/or mental problem(s), which will last at least 12 months and keep you from working during these 12 months, or possibly result in death.
You must prove your disability. Proof may involve obtaining medical records, tests, and other medical findings.
For your child to receive Medicaid as a disabled child, he/she must have severe physical and/or mental problem(s) that prevent the child from doing daily activities that a healthy child does.
Disability is looked at in two different ways:
- Presumptive Disability allows you to get Medicaid as a disabled person while waiting for a final determination of disability. Presumptive Disability covers only certain types of illnesses/diseases and conditions. Ask your eligibility worker if your special situation qualifies you for Presumptive Disability.
- If your special situation is not covered under Presumptive Disability, it may take up to 90 days or more to determine if you meet the definition of disability and can receive Medicaid as a disabled person.
What If I'm Pregnant?
Many health care providers can offer you immediate, temporary, pregnancy related Medicaid services under a program called Presumptive Eligibility for Pregnant Women. If you are pregnant or think you are pregnant, ask if your health care provider participates in this program.
What is Medicaid for Employed Adults with Disabilities (MEAD or MEPD)?
MEAD is a Medicaid coverage group that allows adults with disabilities to earn a higher salary and save money without losing their Medicaid eligibility. In general, the program makes an employed person with a significant disability eligible for Medicaid by expanding the eligibility criteria relative to earnings and resources. There may be a premium for this program.
What is Medicaid?
Medicaid is a program that pays for a variety of medical services for children and adults with limited income and resources. Medicaid is supported by federal and state taxes. You can apply for Medicaid benefits regardless of sex, race, religion, color, national origin, sexual orientation, marital status, age, disability, or veteran status. If you are found (or determined) eligible, you can get Medicaid as long as you continue to meet the eligibility requirements. You may be able to get Medicaid benefits at no cost, or you may have some responsibility for some share of your costs depending on your income.
Who can apply for Medicaid?
Anyone can apply. If you are under age 18, you may apply for yourself and your children. However, if you are living with a parent(s), you must include your parent(s) as part of your household. You can apply for a person or household as their representative. You can have someone else apply for you as your representative. R&B can assist you throughout the application process if it appears you may have eligibility.
Who can get Medicaid?
People in many different situations qualify for Medicaid. They are listed below. If you are not in one of these groups, there may be other types of assistance with medical bills that you can qualify for. Contact your Patient Advocate at R&B Solutions and we can help determine if you qualify for one of those programs.
You may be eligible for Medicaid if you are one of the following:
- 65 or older
- Under 21
- Diagnosed with breast or cervical cancer
- In a skilled nursing or intermediate care facility.
- Refugee status during a limited period of eligibility. Adult refugees may or may not be eligible depending upon how long they have been in the U.S.
- Parent or caretaker relative of a child
- An undocumented Alien in one of these groups can be eligible if they have had an emergency condition.
Will it cost me to get on Medicaid?
Most Medicaid programs are at no cost to the recipient. Some, like Medically Needy, may have a spenddown or deductible that you are responsible for but can take care of in other ways than paying it if you qualify. Other programs that you may qualify for may have small premiums that would have to be paid. You would never be put on a program where premiums are required without our having received notice about this and the option to turn them down.
- Other Assistance
How can I get help with prescriptions while I am waiting for my medical card?
Anyone interested in getting free or discounted prescriptions should contact the drug maker. Some drug manufacturers post the application for assistance on their web sites. Other sites to try include:
What if I already have been approved for charity or financial assistance from the hospital.
Even if you qualify for charity assistance from the hospital, you may have other providers such as doctors, radiology, laboratory work, and prescriptions that the hospital charity will not necessarily cover. If you get on a full Medicaid program, all of these medical costs could be covered. In addition, if you get on another program to help cover your bills, this would allow that financial assistance from the hospital to be applied to someone else who does not qualify for any other programs.
What other kinds of help can I get?
You can contact your local Social Services Department for referrals. In addition, you can dial 211 from anywhere in the United States and get help with food, housing, employment, health care, counseling and more. You can also access this information on line by visiting www.211us.org.