Author Archives: Diane Woodhead

Healthcare Legal Tips

Not preparing for healthcare concerns can involve a whole host of medical and legal complications. At best, these issues may affect you financially; at worst, they could mean the difference between life and death. Whether you go to the hospital for a routine procedure or an emergency, there are steps you can take to help avoid complications.

  • Have an up-to-date Medical Power of Attorney or Advanced Medical Directive (“Living Will”).In the event you cannot make medical decisions yourself, these documents entrust decisions about your care to a person you designate. Advise your family of your designation so that person is notified when decisions must be made.
  • Make sure your name, identifying information and all other information is completely accurate at each doctor’s appointment, outpatient surgery and  hospitalization. Serious problems involving medical care sometimes begin as simple clerical errors. A small error can create a major treatment crisis. Reduce the chance of error by carefully reviewing all of your doctor’s office or hospital admissions paperwork. During hospitalization check your hospital wristband for errors. I know this may sound cheeky but read the documents you are signing.
  • Understand your health insurance coverage before you get sick. It is important that you understand all of the limitations and exclusions in your insurance policy. Your policy may require you to obtain preauthorization for medical procedures. In addition, you may need supplemental coverage or disability coverage in the event of a long recovery. Review your health coverage now. It is too late to make critical changes after you get sick. If you have questions about your policy reach out to us as we are here for you!
  • Save any documents you receive regarding your care or billing. Retain all of your medical documentation in the event of a fee dispute, insurance dispute or medical malpractice claim. Documents can be easily misplaced in the confusion of care and recovery. If you are too ill to organize your own paperwork ask someone you trust to help manage your documentation. It is also a great idea to keep a running journal of the dates of service and procedure’s done. If you call regarding a bill it doesn’t hurt to document who you spoke to, when you spoke to them and what information was received.
  • Ask for a second opinion if you are unsure about your diagnosis or treatment. You always have the right to speak with another doctor or caregiver if you are uncomfortable with the diagnosis or treatment recommendations being made. If someone wants you to have an expensive procedure or treatment make sure to be the smart consumer who asks lots of questions.
  • Advocate for your own quality care! It is important to speak up for yourself in healthcare situations. If you or a loved one have been hospitalized and have concerns about the quality of care, speak to a doctor or nursing supervisor. If you are unable to advocate for yourself due to the nature of your illness, medications or treatments, have a friend or family member stay with you. Many hospitals have a designated advocate on staff. If you feel your concerns are not addressed ask to speak with a patient advocate.

What YOU Should Know About Estate Recovery in Wisconsin

16506311_sSome important changes are taking place in the Estate Recovery Program as a result of the 2013-2015 biennial budget that was passed by the Wisconsin State Legislature in 2013. These changes will begin August 1, 2014.

Through the Estate Recovery Program, the state seeks repayment for the cost of certain long term care services paid for by Medicaid and BadgerCare Plus, and all services paid for by the Wisconsin Chronic Disease Program (WCDP). Repayment is made from the member’s property after they pass away or from liens placed on their homes. The money recovered from the member’s estate is returned to the program and used to pay for care for other members. It is important to remember that the state does not seek repayment from a member’s property while the member is survived by a:

  • Spouse
  • Child under age 21
  • Disabled or blind child of any age.

Repayment is made only after the member or the surviving spouse passes away or, in some situations, from a lien on the member’s home. Liens are not filed against homes of members while they are living in the community. The Estate Recovery Program is paid after certain other expenses are paid according to standard probate procedures. Costs paid prior to the Estate Recovery Program include:
• The costs of administering the estate, including attorney fees.
• Reasonable funeral costs.
• The costs of the last illness, if any, that were not paid by Medicaid, BadgerCare Plus, or WCDP.

Policy Changes
Beginning August 1, 2014, certain new assets and services will now be part of the Estate Recovery Program.

The assets below will now be  part of the Estate Recovery Program:
• Joint Tenancy Property
Repayment will be made after the member passes away from joint tenancies created on and after August 1, 2014. Repayment will be made from the interest in the property that the member has at the time the member passes away. Tax Equity and Fiscal Responsibility Act of
1982 (TEFRA) liens will continue to be filed on joint tenancy homes and repayment will be made from joint accounts at financial institutions, no matter when the joint tenancy was  created.
• Life Estates
Repayment will be made from a life tenant’s interest in life estates that are created on and after August 1, 2014.
• Life Insurance Policies
Repayment will be made from a member’s life insurance policy, no matter who is named as the beneficiary, for life insurance policies created on and after August 1, 2014.
• Marital Property
Repayment will be made from 50 percent of the surviving spouse’s estate.
• Revocable Trusts
Repayment will be made after the member passes away from revocable trusts created on and after August 1, 2014. A TEFRA lien will continue to be filed on a home in revocable trust regardless of when the trust was created.
• Tax Equity and Fiscal Responsibility Act of 1982 Liens
Repayment will be made through TEFRA liens placed on life estates that are created on and after August 1, 2014.
• Other Non-probate Property
Repayment will be made from non-probate property not listed above for any member who passes away on or after August 1, 2014. These assets will be used as repayment for members who pass away on and after August 1, 2014.
The cost of the services below will now be included in the amount that the Estate Recovery Program will seek repayment for:
• All services received while participating in a long term care program
Repayment will be made for all services received on and after August 1, 2014, by a member age 55 years and older participating in a long term care program. This
includes members participating in home and community-based waiver programs, and the Program of All-Inclusive Care for the Elderly (PACE).
• Capitation payments
Repayment will be made for the entire capitation payment made to a managed care organization (MCO) beginning August 1, 2014, for a member participating in a long term care program. Repayment of these services applies to services received and capitation payments made on and after August 1, 2014, for any member age 55 and older participating in a long term care program. Long term care programs include all home and community-based programs and PACE.
Program Dis-enrollment
Members should contact the source listed below for their program before July 18, 2014, for benefit counseling if they do not want the new services recovered and will need to dis-enroll from their program. This will allow for case closure and dis-enrollment from Wisconsin Medicaid, BadgerCarePlus, or WCDP prior to the new rules taking effect:
• Medicaid — Contact your local Aging and Disability
Resource Center (ADRC).
• BadgerCare Plus — Contact your agency.
• WCDP — Contact Member Services at 1-800-362-3002.
For More Information


ACA Subsidies Challenged in Courts

You may have seen or heard two stories in the news about two conflicting federal court decisions regarding the legality of federal subsidies for low- and middle-income people who bought health insurance through the Federally Facilitated Marketplace (FFM), or Exchange, in certain states, including Wisconsin.

Woodhead Insurance wants all of our members to know that their health plans are safe and they are still covered. Premiums are not going to change at this time.

You may assure that we will continue to closely monitor the situation. If you have any questions please feel free to call us at 920-544-0058


Diane Woodhead

As always we strive to not only be your agent but also your health insurance advocate.