Whoops, I totally misread that in the question - my mistake.
Here is my naive question - if she had private insurance, she would not have qualified for medicaid, regardless of income. Is that accurate?
A person can have a private ins policy through self or employer and still have medicare or medicaid and pretty sure you can have all three together.
Sounds like the main problem was she went to a health care facility that was out-of-network. Why she chose to do that only she knows. Maybe it was because of the urgency and location thinking time was of the essence or not knowing the differences in charges you are responsible for when you go out-of-network. I wonder what her out of pocket would have been if she had gone to an in-network facility.
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