Medicaid estate recovery

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The Medicaid Estate Recovery Program (MERP) is a process initiated by state governments in the United States for recovering payments that they made under the Medicaid program to program beneficiaries. The government recovers the sum of payments from the estate at the time of death of the program beneficiary.

Contents

The moral justification for Estate Recovery has been stated as “if you’re receiving a public benefit and the state is trying to support you, you should give back if you are able". [1]

Details

States are required to recover long-term-care-related (LTCR) Medicaid expenses from people 55 or older who have received Medicaid from recipients' probate estates. [2] [3] (LTCR here means precisely: Nursing home or other long-term institutional services, home- and community-based services, and hospital and prescription drug services provided while the recipient was receiving nursing facility or home- and community-based services. [2] )

States also have the option to recover costs of all other Medicaid services for people 55 or older and have a separate option to extend the recovery beyond probate estates. The latter option is generally called "expanded estate recovery". [2] [3] [4]

Recovered amounts may include capitation charges whether or not medical services were used, [5] [6] as well as expenses directly paid under Medicaid to the service provider for utilized services. [2] [7] [8]

The scope of the recovery includes "traditional" Medicaid (meaning the versions of Medicaid that existed prior to the ACA), as well as the expanded Medicaid introduced by the Affordable Care Act. [9]

States may not recover from the estate of a deceased Medicaid enrollee who is survived by a spouse, child under age 21, or blind or disabled child of any age. States are also required to establish procedures for waiving estate recovery when recovery would cause an undue hardship. [3]

States may impose liens for Medicaid benefits incorrectly paid pursuant to a court judgment. States may also impose liens on real property during the lifetime of a Medicaid enrollee who is permanently institutionalized, except when one of the following individuals resides in the home: the spouse, child under age 21, blind or disabled child of any age, or sibling who has an equity interest in the home. The states must remove the lien when the Medicaid enrollee is discharged from the facility and returns home. [3]

Historical origin

The states have been authorized to implement estate recovery programs since 1965 when Medicaid first began. However, prior to 1990, only 12 of the states had established Medicaid estate recovery programs. [10]

the federal government made it a requirement for every state to implement an estate recovery program for Medicaid in the Omnibus Budget Reconciliation Act of 1993. [10] [11] This was done with primary concern towards recipients who received long-term care services, which had required the applicant to have very low asset levels (an "asset test"), but allowed recipients and their spouses to retain a home and certain other modest assets, to avoid total impoverishment, while they are alive. The estate recovery collected the assets from the estate, when both the recipient and their spouse were deceased. [9] The Act also gave states the option of recovering other Medicaid expenses [11] (as described in the Details section of this article).

Non-LTCR estate recovery and the ACA

View that the non-LTCR recovery is problematic

The view that there were problematic aspects of the interaction of non-long-term-care-related Medicaid estate recovery with the Affordable Care Act (ACA) was put forth in various places starting from the time the ACA was passed, [5] [9] [1] [12] [13] [14] [15] and stemmed from the fact that much of the coverage made available under the ACA is Medicaid, which is subject to estate recovery for people 55 and older, in a number of states.

The ACA was designed to make available, and promoted as making available, affordable health insurance to all people without other forms of insurance.

It attempts to make the insurance available (for the case of U.S. citizens [16] [17] ) by (1) retaining existing Medicaid programs ("traditional Medicaid", which generally required both low incomes and very low asset levels); by (2) starting a new class of Medicaid, expanded Medicaid, for people whose Modified Adjusted Gross Incomes (MAGIs) are no more than 138% of the Federal Poverty Level (FPL) and with no maximum asset levels; [16] and by (3) offering people with all income levels access to on-exchange insurance plans from private insurers, and offering sliding-scale income-based subsidies for those with MAGIs above 100% of the Federal Poverty level to 400% of the Federal Poverty Level, provided they are not eligible for either a traditional Medicaid or expanded Medicaid or a Children's Health Insurance Program (CHIP), or an employer's or a family member's employer insurance program. [16]

One aspect of the problematic interaction point of view that was raised is seen by noting that the goal of providing health insurance is interfered with if states exercise their option to recover costs of all medical care (not just LTCR) for people 55 or older. People getting Medicaid (including expanded Medicaid) don't then have the protections normally associated with health insurance. Medical expenses are paid for the recipient at the time they are incurred, but must be paid back by the person's estate when they die. The amount to be paid back may not be just an insurance premium equivalent or capitation payment, but may be all medical expenses incurred. [8] [7] [18] Thus, the view is that the coverage does not offer the protections associated with insurance, and that the coverage is more accurately characterized as, and offers only the protections of, a loan. [12] [19] [20]

(People 55 or older getting Medicaid are not eligible to receive a subsidy [16] on an ACA on-exchange plan, but do have an option of purchasing an ACA on-exchange plan without a subsidy. [16] However, this option may be unaffordable, since the class of people involved often have a MAGI at or below 138% of the Federal Poverty Level.) [21]

An additional problematic aspect of the estate recovery of non-LTCR expenses that was brought up, was the unequal treatment of people below 138% of the FPL under the ACA, who get expanded Medicaid and are subject to estate recovery if they are 55 or older, and people just above 138% of the FPL, who get highly subsidized, very-low-net-cost, on-exchange insurance, which is not subject to estate recovery. [5] [6] [1] [12] [13]

Another aspect raised was that people were obligated under the ACA to be covered under threat of a financial penalty if not covered, but for many people, the only affordable coverage available was Medicaid. The Medicaid came often with capitation charges against the person's estate even if medical services were unused, [5] [6] and further, often came with a risk of large payments for medical services used if the person got sick having to be paid back by the estate. [2] [7] [8] The Federal mandate has been removed effective the start of 2019, this aspect continues to have relevance in states which have their own financial penalties for not carrying coverage [22] , which include New Jersey, [23] Massachusetts, [8] [24] and the District of Columbia [18] among states that currently do estate recovery of non-LTCR Medicaid expenses.)

In a Jan, 2014 Washington post article, Matt Salo, executive director of the National Association of Medicaid Directors, responded to the issues by indicating "It wouldn’t make sense for a state to pursue a claim on the property of a new [expanded] Medicaid recipient under the health-care law", and added, “There’s no way any state is going to see it as cost-effective or politically sensible to do that.” [1] (However, subsequently, state Medicaid spokespersons for both NJ and MN made contradictory assertions, indicating their states intended to continue the estate recovery of all medical expenses for all Medicaid recipients. [25] [26] As of Aug, 2019, at least 12 states that have expanded Medicaid: Massachusetts [8] [24] , New Jersey [23] , Iowa, [27] Nevada, [28] New Hampshire, [29] [30] North Dakota, [31] Ohio, [32] Rhode Island, [33] Indiana, [34] Utah, [35] Maryland [36] , and the District of Columbia [18] maintain the estate recovery of all medical expenses for expanded Medicaid recipients in their laws and regulations.)

In late February 2014 (two months after the main ACA provisions went into effect) the Obama administration's Center for Medicare and Medicaid Services (CMS) issued a letter stating that “CMS intends to thoroughly explore options and to use any available authorities to eliminate recovery of Medicaid benefits consisting of items or services other than long term care and related services in the case of individuals who are determined eligible for Medicaid benefits using the MAGI methodology." [9] [37] (Note that "MAGI methodology" for Medicaid eligibility refers to roughly those people added to Medicaid in expanded Medicaid. [9] )

Argument for non-LTCR estate recovery post-ACA

Medicaid estate recovery documents from the various states that do estate recovery of non-long-term-care related expenses often explain the purpose of their estate recovery program. For example, a NJ document has "DMAHS pursues recovery from estates to supplement funds available for medical assistance programs and limit the burden upon taxpayers caused by rising medical costs. Funds recovered help provide assistance to others in need." [23]

It can be argued that the justifications were written before the ACA main provisions went into effect in 2014, and do not account for the changes in who is affected by the recovery post-ACA, and as well, that the ACA may reflect a changed attitude intended in the law, that affordable health insurance should be, post-ACA, available to all as an expected matter of national policy. Thus, some may consider it important to examine justifications post-ACA, under the assumption of expanded Medicaid.

Post-ACA, the argument to continue non-long-term-care-related estate recovery was expressed by an assistant commissioner for the Minnesota Department of Human Services (a state which had expanded Medicaid) as “The general idea here is that people with assets should help contribute to the cost of their coverage, Many have incurred thousands of dollars of medical expenses at taxpayer expense. That’s the reason for these recoveries. It’s not intended to be punitive.” [5]

Post-ACA adjustments to recovery regulations

Just prior to the ACA main provisions [38] going into effect on Jan 1, 2014, a number of Medicaid expansion states had had laws and regulations which did the non-long-term-care-related estate recovery, and have stopped or limited the practice, though not necessarily permanently. These are:

New York (starting April 1, 2014) [39] [40]

Connecticut (retroactive to ACA main provisions start; expanded Medicaid only; not extending to all non-long-term-care related) [41] [42]

Washington (at ACA main provisions start) [43] [44]

Oregon (at ACA main provisions start) [45] [46]

California (2017) [47] [48]

Minnesota (2017) [49] [50] Note Minnesota has language on the signature page of its ACA application that may leave open its option to estate recover from current Medicaid recipients if it changes its laws or regulations in the future, and/or to recover from Medicaid recipients in future years on ACA auto-renewals. [7]

Colorado [51] [52]

In addition, there are some Medicaid expansion states which did not do non-LTCR Medicaid estate recovery, and still do not (such as Pennsylvania). [53] [54]

In other Medicaid expansion states which did non-LTCR Medicaid estate recovery just prior to the ACA main provisions, (such as Massachusetts, [8] [24] New Jersey [23] , Iowa, [27] Nevada, [28] New Hampshire [29] [30] , North Dakota [31] , Ohio [32] , Rhode Island [33] , Indiana [34] , Idaho [55] , Utah [35] , and Maryland [36] , as well as in the District of Columbia, [18] ) the recovery of non-LTCR persists (as of 8/2019).

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References

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  3. 1 2 3 4 "Estate Recovery and Liens". .medicaid.gov. Retrieved 2019-08-06.
  4. ↑ Institute, Faith Mullen, AARP Public Policy. "Questions and Answers on Medicaid Estate Recovery for Long-Term Care U..." AARP. Retrieved 2019-10-12.
  5. 1 2 3 4 5 Service, John Lundy | Forum News (2016-02-16). "Some shocked by estate claims after joining Medicaid via MNsure". Twin Cities. Retrieved 2019-08-06.
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  11. 1 2 "Medicaid Estate Recovery", "U.S. Department of Health and Human Services", April 2005
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  13. 1 2 "MACPAC Issue Brief: Medicaid's New Adult Group and Estate Recovery (Nov 2015)" (PDF). 2019-08-15.
  14. ↑ "EDITORIAL | Minnesota should back off on Medicaid estate recovery". Star Tribune. Retrieved 2019-08-21.
  15. ↑ "Key Proposals to Strengthen the Affordable Care Act". The Century Foundation. 2015-11-23. Retrieved 2019-08-25.
  16. 1 2 3 4 5 Nov 20, Published:; 2018 (2018-11-20). "Explaining Health Care Reform: Questions About Health Insurance Subsidies". The Henry J. Kaiser Family Foundation. Retrieved 2019-08-06.CS1 maint: extra punctuation (link)
  17. ↑ "Health coverage for lawfully present immigrants". HealthCare.gov. Retrieved 2019-08-24.
  18. 1 2 3 4 "Public Notice: Medicaid Estate Recovery Fact Sheet | dhcf". dhcf.dc.gov. Retrieved 2019-08-21.
  19. ↑ "Medicaid Estate Recovery (American Association of Public Welfare Attorneys) see p. 4 and others for loan termininology" (PDF). 2019-08-10.
  20. ↑ Corbett, Rachel (2019-10-01). "Medicaid's Dark Secret". The Atlantic. ISSN   1072-7825 . Retrieved 2019-10-12.
  21. ↑ "Medicaid Expansion Enrollment". The Henry J. Kaiser Family Foundation. 2018-12-19. Retrieved 2019-08-21.
  22. ↑ Salsberg, Bob (2019-01-01). "ACA mandate gone, but a few states still require coverage". AP NEWS. Retrieved 2019-08-23.
  23. 1 2 3 4 "New Jersey Estate Recovery Document" (PDF). 2019-08-14.
  24. 1 2 3 "MA 2019 application; see conditions (9) and (10) on adobe p. 24" (PDF).
  25. ↑ "Some shocked by estate claims from Medicaid via MNsure". web.archive.org. 2019-07-26. Retrieved 2019-08-28.
  26. ↑ "Feds worry death rules will limit new Medicaid enrollees". web.archive.org. 2014-04-01. Retrieved 2019-08-28.
  27. 1 2 "Iowa Estate Recovery Document" (PDF). dhs.iowa.gov. Retrieved 2019-08-22.
  28. 1 2 "MER". dhcfp.nv.gov. Retrieved 2019-08-22.
  29. 1 2 "Estate Recoveries Unit | Office of Operations Support | New Hampshire Department of Health and Human Services". dhhs.nh.gov. Retrieved 2019-08-22.
  30. 1 2 "New Hampshire State Estate Recovery Document" (PDF). 2019-08-22.
  31. 1 2 "Medicaid Estate Recovery: Medicaid: Medical Services: Services: Department of Human Services: State of North Dakota". nd.gov. Retrieved 2019-08-22.
  32. 1 2 "Ohio Medicaid Estate Recovery Document" (PDF). 2019-08-22.
  33. 1 2 ""Collections and Payments: Liens and Recovery of Medicaid Payments" (formerly Medicaid Code of Administrative Rules, Section # 0312) (210-RICR-10-00-4) - Rhode Island Department of State (See 4.1 and 4.4)". rules.sos.ri.gov. Retrieved 2019-08-22.
  34. 1 2 "FSSA: Medicaid Estate Recovery". in.gov. Retrieved 2019-08-24.
  35. 1 2 "Utah Estate Recovery Document" (PDF). 2019-08-24.
  36. 1 2 "Maryland State Medicaid Estate Recovery Document" (PDF). 2019-08-26.
  37. ↑ "Department of HHS Medicaid Letter Feb 21, 2014" (PDF). 2019-08-06.
  38. ↑ French, Michael T.; Homer, Jenny; Gumus, Gulcin; Hickling, Lucas (2016-06-05). "Key Provisions of the Patient Protection and Affordable Care Act (ACA): A Systematic Review and Presentation of Early Research Findings". Health Services Research. 51 (5): 1735–1771. doi:10.1111/1475-6773.12511. ISSN   0017-9124. PMC   5034214 . PMID   27265432.
  39. ↑ "GIS 14 MA/016: Long Term Care Eligibility Rules and Estate Recovery Provisions for MAGI Individuals". health.ny.gov. Retrieved 2019-08-06.
  40. ↑ "NY State Medicaid and other application (see p. 23)" (PDF). 2019-08-08.
  41. ↑ "CT scales back Medicaid repayment rules for some recipients". The CT Mirror. 2014-04-09. Retrieved 2019-08-06.
  42. ↑ "CT-14-022 Federal Medicaid Waiver" (PDF). 2019-08-06.
  43. ↑ Ostrom, Carol M. "State will change asset recovery policy for Medicaid enrollees". The Seattle Times. Retrieved 2019-08-06.
  44. ↑ "Estate Recovery | Washington State Health Care Authority". hca.wa.gov. Retrieved 2019-08-06.
  45. ↑ Hunsberger, Brent (2013-12-02). "Cover Oregon: State says it won't pursue Oregon Health Plan recipients' assets". oregonlive.com. Retrieved 2019-08-06.
  46. ↑ "Oregon State Medicaid Estate Recovery Document" (PDF). 2019-08-16.
  47. ↑ "Medical Recovery Pamphlet for CANHR" (PDF). 2019-08-19.
  48. ↑ "Estate Recovery". .dhcs.ca.gov. Retrieved 2019-08-06.
  49. ↑ Gazette, Moose Lake Star. "Minnesota MA estate liens put to final rest". Moose Lake Star Gazette. Retrieved 2019-08-06.
  50. ↑ joseph. kempf. "Estate recovery". Minnesota Department of Human Services. Retrieved 2019-08-06.
  51. ↑ "Colorado Medical Assistance Extate Recovery Program" (PDF). 2019-08-16.
  52. ↑ "Colorado State Plan Amendment (SPA) #: CO- 1.4- 001" (PDF). Medicaid.gov. 2014-05-20. Retrieved 2019-12-02.
  53. ↑ "Pennsylvania Code". pacode.com. Retrieved 2019-08-16.
  54. ↑ "PA Medicaid Estate Recovery Document" (PDF). 2019-08-16.
  55. ↑ "The Idaho Medicaid Estate Recovery Program". Idaho Care Line (2-1-1). Retrieved 2019-08-24.
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