WAC 182-511-1250 Healthcare for workers with disabilities (HWD) -- Premium payments.
Effective July 30, 2015
This section describes how the medicaid agency calculates the premium amount a person must pay for health care for workers with disabilities (HWD) coverage. This section also describes program requirements regarding the billing and payment of HWD premiums.
- When determining the HWD premium amount, the agency counts only the income of the person approved for the program. It does not count the income of another household member.
- When determining countable income used to calculate the HWD premium, the agency applies the following rules:
- Income is considered available and owned when it is:
- Loans and certain other receipts are not considered to be income as described in 20 C.F.R. Sec. 416.1103, e.g., direct payment by anyone of a person's medical insurance premium or a tax refund on income taxes already paid.
- The HWD premium amount equals a total of the following (rounded down to the nearest whole dollar):
- Fifty percent of unearned income above the medically needy income level (MNIL) described in WAC 182-519-0050; plus
- Five percent of total unearned income; plus
- Two point five percent of earned income after first deducting sixty-five dollars.
- When determining the premium amount, the agency will use the current income amount until a change in income is reported and processed.
- A change in the premium amount is effective the month after the change in income is reported and processed.
- For current and ongoing coverage, the agency will bill for HWD premiums during the month following the month in which coverage is approved.
- For retroactive coverage, the agency will bill the HWD premiums during the month following the month in which coverage is requested and necessary information is received.
- If initial coverage for the HWD program is approved in a month that follows the month of application, the first monthly premium includes the costs for both the month of application and any following month(s).
- As described in WAC 182-511-1050 (4)(b), the agency will close HWD coverage after four consecutive months for which premiums are not paid in full.
- If a person makes only a partial payment toward the cost of HWD coverage for any one month, the person remains one full month behind in the payment schedule.
- The agency first applies payment for current and ongoing coverage to any amount owed for such coverage in an earlier month. Then it applies payment to the current month and then to any unpaid amount for retroactive coverage.