HIPP program and medicaid as secondary.

X posted from r/medicaid but i think this board is more active and may know more about private insurance:

My son is on the katie beckett medicaid waiver ( TEFRA) i recently learned that through a program called HIPP , if i put him on employer offered insurance ( BCBS preferred -south carolina) that medicaid will pay the insurance premium and act as secondary.

This would allow me to get him into some better clinics for his many therapies and also closer to home. He currently sees ABA daily ( up to 40 hrs a week, OT weekly, speech 3x weekly. ) but he also needs feeding therapy and physical therapy which his current clinic does not provide. Current clinic is 1 hr away. So we drive about 4 hours daily for this…dropping off in AM and picking up in evening.

New clinic is 30 min away and provides all the therapies he needs. However they do not accept medicaid as primary. Only as secondary.

The bcbs website says they cover aba at $88 and has a $20 copay. Not sure if thats hourly….but would medicaid negate that copay?

As i understand it that primary oays what they cover and sends to medicaid who woild then say since primary paid $88 which is well above what medicaid allows then no co pay would be billed to me?

I just want to make sure i understand this. Because currently i can afford the 100 a month it costs to just insure me on bcbs but to add my child brings the premium to almost 500 a month and that i cant afford. But on the flip.side if medicaid doesnt cover or negate the copay i can also not afford 800 a week in aba copays. If indeed the copay is charged hourly. I can afford 20 a session….but not hourly.