This article is a section taken from MA for Employed Persons with Disabilities (MA-EPD), a part of the revisions and additions to the Minnesota Health Care Program Eligibility Policy Manual.
Premiums and Cost Sharing
People enrolled in Medical Assistance for Employed Persons with Disabilities (MA-EPD) must pay monthly premiums.
A premium is based upon:
- A person’s gross countable income. The minimum amount will be $35 per month, with a sliding scale for people with gross income at or below 300% of the Federal Poverty Guidelines (FPG). If income is greater than 300% FPG, the rate is 7.5% of gross income.
- An additional fee that is equal to 0.5% of unearned income. The fee is paid no matter how low gross income is.
The total MA-EPD premium is the combined amount.
An American Indian or Alaska Native who has provided verification of American Indian or Alaska Native status is exempt from paying a premium for MA-EPD.
An online MA-EPD premium estimator is available. A person’s county or tribal servicing agency is responsible for collecting the initial MA-EPD premium. The Minnesota Department of Human Services (DHS) bills for ongoing MA-EPD premiums monthly.
MA-EPD coverage does not begin until the initial premium is paid. Applicants who request retroactive coverage must pay the premium for any retroactive months before coverage is approved for the retroactive period.
The average anticipated gross monthly countable income is used to calculate the MA-EPD premium amount for a six-month period. The actual gross monthly income is used to calculate the MA-EPD premium amount during any retroactive months.
MA-EPD premiums are calculated for a six-month period and do not change unless a reported change results in a decreased premium. Premiums are calculated at each six-month renewal.
Gross Countable Income
Gross countable income includes countable earned and unearned income of the person and anyone whose income deems to the person. See the MA for People Who Are Age 65 or Older and People Who Are Blind or Have a Disability (MA-ABD) Countable Income policy for more information.
The MA-ABD excluded income policy applies to MA-EPD. See the MA-ABD Excluded Income policy for more information.
Only the MA-EPD enrollee’s income is counted for adults age 18 and older. No spousal income is deemed to the MA-EPD spouse. Parental income is deemed for MA-EPD applicants and enrollees younger than age 18.
Family size is used to determine premium rates. Family size is determined for each person separately. Family size may be different for each person on an application or in a household.
For MA-EPD enrollees age 21 or older, family size includes the following, if they are living with the person:
- Spouse (unless they are enrolled in MA-EPD)
- Biological or adopted children, including those who are temporarily absent
- Spouse’s biological or adopted children, including those who are temporarily absent
- Unborn children of the person or their spouse
For MA-EPD enrollees under age 21, family size includes the following if they are living with the person:
- Spouse (unless they are enrolled in MA-EPD)
- Biological or adoptive parents
- Stepparent, if the biological or adoptive parent also lives with the person
- Siblings (biological, adopted, or step siblings)
- Unborn children of the person, their spouse or their biological, adoptive or step-parents listed above
Good Cause for Non Payment of MA-EPD Premiums
People who cannot pay their premium may request good cause. A “good cause” request is an enrollee’s request for premium relief because of circumstances outside their control. DHS is responsible for good cause determinations. When a request is approved, premiums are waived for the period necessary for the enrollee to resolve the situation preventing the enrollee from paying premiums.
Good cause is defined as circumstances beyond a person’s control or that they could not reasonably foresee resulting in the enrollee being unable or failing to pay the premium.
Good cause does not include choosing to pay other household expenses instead of the premium. A person cannot request good cause for non-payment of an initial premium. Good cause can only be requested for the non-payment of subsequent premiums.
Requesting Good Cause
People must request good cause using the MA-EPD Good Case Request form (DHS-6939). The form can be submitted electronically, or printed and mailed to DHS. Enrollees needing assistance in completing the form can call the Disability Linkage Line at 866-333-2466.
DHS provides the person with written notice of their decision within 30 days. People may appeal a finding that good cause does not exist. See the MHCP Appeals policy for more information.
Minnesota Rules, part 9506.0040, subpart 7, items B to D
Minnesota Statutes, section 256B.057, subdivision 9
CREDIT: The content of this post has been copied or adopted from the Minnesota Healthcare Programs Eligibility Policy Manual, originally published by the Minnesota Department of Human Services.
This is also part of a series of posts on Minnesota Healthcare Eligibility Policies.