Yeah, I suspect it has something to do with minimizing churn. The letter says
"You are no longer eligible for
Medicaid.
However, we will continue
Medicaid coverage. This is because
certain individuals who qualified
for Medicaid get coverage
for twelve continuous months
from the date they were last
determined eligible."
You have some possible options but only you know your circumstance to know which ones are viable.
Maybe consider asking Medicaid if they can pay for your families HDHP premiums. Apparently it is possible in New York
https://www.health.ny.gov/health_care/medicaid/#cancelOne obvious reasons you want your HDHP+HSA thru your employer is Taxes. No matter who contributes to your HSA, you, your employer or the County (via Medicaid) it is
YOU who takes the tax write off (per HSA's for Dummies Book 2007 edition). If the County paid your families premiums, you'd likely save on what you pay in taxes. Not a valid resource so verify this statement first. Per this website,
http://obamacarefacts.com/health-insurance/health-savings-account-hsa/ contributions lowers your magi so your family may still qualify for Medicaid..
If Medicaid
still refuses to cancel you, a fair hearing can be requested. Phone number-->.
https://www.health.ny.gov/health_care/medicaid/#hearing Just the fair hearing request itself, via your telephone call, might get you out of medicaid when/if they call you back.
I would request a form that, states you are inelligble for medicaid. Especially if you are NOT making more than 138% of the federal poverty level for your family size. There is something that they are using to keep you enrolled, and I suspect, it is your income. They are adding it up so for the year and assuming you are less than whatever the monthly 138% of the federal poverty level x 12 months. There is a yearly income cut off and you might just make that cut. That might be the problem. Always be polite and give the benefit of the doubt, but firm. If you chose to be in a managed care plan versus "straight medical' the cost of those plans are much higher. I would always suggest to stay on Straight medicaid so if anything ever came back to haunt you, the bill would cost less.
I believe you can get on your employers HDHP yourself, and your family can remain on medicaid. That is
probably the most financially feasible but I do not know your income or family size or tax bracket. And you could present it as a form of compromise, possibly to the medicaid office. Good luck!
