Reciprocity with Other States for Medicaid Asset Protection
MEDICAID ASSET PROTECTION:
RECIPROCITY WITH OTHER STATES
On March 27, 2009,
Under the terms of the Reciprocity Compact, Connecticut Partnership policyholders who relocate to another state may be eligible to receive dollar-for-dollar Medicaid Asset Protection just as they would when they apply to
The Reciprocity Compact requires that any state participating in the Compact must agree to engage in reciprocity with every other state in the Compact for the purpose of granting dollar-for-dollar Medicaid Asset Protection. In addition, the original reciprocity agreement between
For a list of states currently participating in the Reciprocity Compact, go to the following website -
https://nyspltc.health.ny.gov/reciprocitymap.htm or call the Connecticut Partnership at 1-800-547-3443 (toll-free in Connecticut - from out of state call 860-418-6318).
It’s important to note that states are permitted to opt in and out of the Reciprocity Compact at any time. A state can opt out of the Reciprocity Compact by giving 60 days notice to the federal government. Consequently, the list of states participating in the Reciprocity Compact may change over time.
Of greatest importance to a Connecticut Partnership policyholder is whether
Since participation in the Reciprocity Compact is optional, we advise that a decision to purchase a Partnership policy should not be made based on reciprocity with other states. Reciprocity should be viewed as a potential bonus for policyholders that does not add to the cost of their Partnership policy premium. The only firm guarantee the State of Connecticut can provide to a
Frequently Asked Questions Regarding Reciprocity:
Q. If I purchased my Connecticut Partnership policy before January 1, 2009, am I covered under this new Reciprocity Compact?
A. YES. All
A. NO. Connecticut must have reciprocity with another state at the time you apply for Medicaid in that other state in order for you to receive Medicaid Asset Protection from the other state. States can opt out of the Reciprocity Compact at any time with 60 days notice to the federal government. Therefore, if a state that Connecticut has reciprocity with today has opted out of the Reciprocity Compact by the time you apply to Medicaid in that state, then Medicaid Asset Protection will not be granted. If a state opts out of the Reciprocity Compact, the only individuals that will be grandfathered are those individuals who have already accessed that state’s Medicaid program.
Of greatest importance to a
Q. If another state is not currently a member of the Reciprocity Compact but opts in and joins at a later date will I be able to receive Medicaid Asset Protection from that state in the future?
A. YES. As long as when you apply to Medicaid in the other state both
Q. What if the features and provisions of my Connecticut Partnership policy are different than what is required in a state I relocate to that is part of the Reciprocity Compact? Will I still be able to receive Medicaid Asset Protection in that state?
A. YES. Any state in the Reciprocity Compact must agree to provide Medicaid Asset Protection to Partnership policyholders from any other state in the Compact. The features and provisions of the Partnership policy are not considered even if those provisions differ from the state’s own requirements for that state’s Partnership policies.
Q. Will I receive dollar-for-dollar Medicaid Asset Protection in other states that are participating in the Reciprocity Compact?
A. YES. The Reciprocity Compact only allows dollar-for-dollar Medicaid Asset Protection. Therefore, a
Q. Are premiums for Connecticut Partnership policies going to be higher because
A. NO. Connecticut’s joining the Reciprocity Compact will not increase the premium for a Partnership policy because the Medicaid Asset Protection feature is provided free of charge by the State of Connecticut and is not included in the cost for a policy.
For more information contact:
David Guttchen, Director