Worker responsibilities

It is critical to compare the options and determine which program costs less when an individual meets the requirements for more than one program.

Since HWD requires a monthly premium payment, the program of choice for someone eligible for both HWD and another CN program is the one that costs less. Compare HWD to the following programs to determine the most advantageous to the individual: Apple Health Adults Apple Health for Kids (the minimum age for HWD is 16 years) Apple Health for Pregnant Women The CN disability program (S02) for a disabled adult child (DAC) CN programs (L22 or G03) depending upon financial and functional requirements and place of residence

People who are eligible for both HWD and MN may prefer to receive Medicaid under the MN program. They do not have to enroll in HWD; enrollment is their choice. The HWD Award Letter provides people eligible for both with a comparison of their spenddown amount.

For most people, HWD is the preferred program because:

CN provides more extensive coverage than MN; and

The HWD monthly premium is likely to be less than the monthly amount used to determine a three or six month spenddown liability.

A person who is approved for MN (in active status) cannot be opened for HWD CN coverage until the first of the month after MN coverage is closed.

Individuals entitled to Medicare

Follow ACES procedures to screen for S03 and S05 when the individual is entitled to Medicare.

Part D expenses

HWD enrollees receiving Medicare get help with their Part D expenses. They receive "full subsidy" benefits. People with income above 135 percent FPL who choose MN instead of HWD receive only partial help with their Part D expenses, unless they meet their spenddown.