By skyforbes I don’t know if this is the right subreddit or not. I have majorly screwed up cause my year has already been hell. I was on SSI but last year my Mom passed away and I received inheritances that caused the SSI to be suspended. Long story short or not, I have a learning disability via Asperger’s so understanding these things is already hard enough. But I had Tenncare/Unitedhealthcare. Basically I didn’t know they required the same information as Social Security and I thought they were the same organization or something or that they atleast shared the same information. Look I didn’t know. But anyway I went to hospital twice cause of my health issues, went to hospital see my doctor also twice back in August and September, thinking I still had insurance but didn’t or shouldn’t have had, because during that period I still was dealing with the inheritance issue or had inheritance money in my bank account that pushed me over the $2,000 limit or whatever. I have reported every inheritance to social security and everything they needed so I assumed it was okay for me get medical assistance still. I have spent the past day realizing that my health insurance covered my medical expenses during that time and I don’t know how to navigate this. Now thinking about it I probably will have to owe money back that I cannot reasonably be able to afford or pay back.
I don’t know who I’d need to talk to about any of this, if I need another lawyer to help me with this or not, or I am just screwed. After talking it up with AI chat bots I assume I am screwed because of possible medical fraud or something but it was not intentional whatsoever. I’ve been confused enough dealing with the grief, social security and probate, the whole inheritance issue in general. I thought my health coverage was still active even during the inheritance issue. From what I gathered is that if I had an inheritance in any month over the past year then I wouldn’t have any health coverage whatsoever within that month or time and nothing would be covered correct? Well I didn’t know that. I didn’t know I was supposed to report to Tenncare the same information as with Social Security cause I thought they were the same organization or worked together, shared the same information. I didn’t understand that TennCare and SSI required separate reporting. Like I said I don’t know how any of this works, I want to make sure have all the correct information and such just as I have given to Social security.
Especially since before I went to the hospital the first time I called UnitedHealth or Tenncare and I was told that I still had coverage. I understand that TennCare or UnitedHealth I don’t know which one may have paid for some of these services when my coverage was supposed to be inactive, but where does that leave me?
I have kept detailed records of all income, expenses, and medical visits during the periods I went to the hospitals and my doctor, and can provide them if needed. I am trying to correct my past mistakes in good faith and hope that this doesn’t affect my future eligibility.
And while I am at it I want to state that since I am currently not on SSI – I currently have no income aside from the only protected asset I do have, which is my ABLE account which I need to live off of if worst comes to worst and even that wouldn’t cover the cost of the medical expenses. and severely deprive me of my ability to afford food, shelter, and other necessities- what the AI ChatGPT told me. From what I gathered I assume I’d have to contact TennCare and/or UnitedHealthcare to review my situation again. But again am I just fucked?
The chat boy told me to ask this:
“proactively request a waiver and/or negotiate an affordable repayment plan.
I request a waiver if possible and if not any repayment obligations based would on my current and future ability to pay, which I am not currently able to. I am willing to cooperate and repay the amount I can afford, but that given my current ability to pay which is very minimal and ask if it’s possible for them to set a payment rate based on my financial situation.
What are the next steps for me going forward with this situation if at all so I could try my best to get this resolved? I assume I would need a new request for review my case.”
Don’t know how much of that is true or not. But if anyone could give me any advice Thank You.