Obamacare Survival Guide ??

Corkey · 09-04-2013, 04:18 PM

Quote:

Originally Posted by Elijah

I know what it "says", but that wasn't the point I was making.

I wasn't attacking you Corkey, I hope you didn't read it that way.

E.

If you read it then what point are you trying to make? I don't take it personally, I'm just trying to inform people. From AARP if you distrust the government.

http://healthlawanswers.aarp.org/?CM...5_3280649877_1

BullDog · 09-04-2013, 04:51 PM

Thanks for the links Corkey. As a self-employed person, I do think Obama Care will give me much better options for health insurance. I need to start doing more research, and your links will definitely help me.

Corkey · 09-04-2013, 04:54 PM

Quote:

Originally Posted by BullDog

Thanks for the links Corkey. As a self-employed person, I do think Obama Care will give me much better options for health insurance. I need to start doing more research, and your links will definitely help me.

You're welcome BD.

Elijah · 09-04-2013, 05:20 PM

Yes, that is the point I am making (distrust of the Gov't) . Sorry, I thought that was understood.

Quote:

Originally Posted by Corkey

If you read it then what point are you trying to make? I don't take it personally, I'm just trying to inform people. From AARP if you distrust the government.

http://healthlawanswers.aarp.org/?CM...5_3280649877_1

Corkey · 09-04-2013, 05:31 PM

Quote:

Originally Posted by Elijah

Yes, that is the point I am making (distrust of the Gov't) . Sorry, I thought that was understood.

LOL nope LOL Hope the AARP link will help you There are many sites, Insurance based, that provide the information.

DapperButch · 09-04-2013, 05:52 PM

Here's a calculator to play around with from the Kaiser Family. I threw my numbers in and was surprised as to how cheap it would be for me.

http://kff.org/interactive/subsidy-calculator/

ETA: Adding a quote from this page:

"In general, employees who are offered insurance through work are not eligible for subsidized exchange coverage, so long as their insurance meets specified requirements. You would only be eligible for subsidized exchange coverage if your income is between 1 and 4 times the federal poverty level and you would have to pay more than 9.5% of your household income for your own coverage through the insurance offered by your employer. "

TeddyBear, you may find you qualify for a policy that is cheaper than the one at your work.

Elijah · 09-04-2013, 06:02 PM

Interesting, so if I did the calculation correctly, I would have to pay at least $400.00 monthly for coverage that I now pay $120.00 monthly for. Ouch.

Quote:

Originally Posted by DapperButch

Here's a calculator to play around with from the Kaiser Family. I threw my numbers in and was surprised as to how cheap it would be for me.

http://kff.org/interactive/subsidy-calculator/

ETA: Adding a quote from this page:

"In general, employees who are offered insurance through work are not eligible for subsidized exchange coverage, so long as their insurance meets specified requirements. You would only be eligible for subsidized exchange coverage if your income is between 1 and 4 times the federal poverty level and you would have to pay more than 9.5% of your household income for your own coverage through the insurance offered by your employer. "

TeddyBear, you may find you qualify for a policy that is cheaper than the one at your work.

Corkey · 09-04-2013, 06:06 PM

Quote:

Originally Posted by Elijah

Interesting, so if I did the calculation correctly, I would have to pay at least $400.00 monthly for coverage that I now pay $120.00 monthly for. Ouch.

If you have insurance from an employer you are probably exempt from applying for the exchanges

DapperButch · 09-04-2013, 06:09 PM

Quote:

Originally Posted by Elijah

Interesting, so if I did the calculation correctly, I would have to pay at least $400.00 monthly for coverage that I now pay $120.00 monthly for. Ouch.

Glad that you have such a good plan. You said you were concerned about how it would effect you. I assumed you had no insurance.

For someone who is in your financial situation who currently has no insurance, $400 a month may seem a lot cheaper than the ohhhhh, one hospital visit costing them thousands and thousands of dollars they will be paying back for years to come.

Corkey · 09-04-2013, 06:18 PM

True story.

I didn't have medical care (insurance) for 7 years. I could not get any medical care as I also didn't have any money. I finally get medicare and find out I had a mass the size of a basket ball in my gut. The surgery cost medicare 35 thousand dollars for a 3 day stay in a private room. I paid $400 in copay. Without insurance I would have died. I can not for the life of me understand how giving people the access to healthcare is a bad thing.

Elijah · 09-04-2013, 06:25 PM

No, I have health insurance through my employer. However the language I keep coming across is as follows: "If you have health insurance through an employer, you probably do not have to make any changes to your coverage.

I am not sure what that little caveat means, and that makes me apprehensive.

So far, I haven't run across under what circumstances I would have to change my coverage and what that would mean.

E.

Quote:

Originally Posted by DapperButch

Glad that you have such a good plan. You said you were concerned about how it would effect you. I assumed you had no insurance.

For someone who is in your financial situation who currently has no insurance, $400 a month may seem a lot cheaper than the ohhhhh, one hospital visit costing them thousands and thousands of dollars they will be paying back for years to come.

ArkansasPiscesGrrl · 09-04-2013, 06:45 PM

Thanks for the links sent. They really are helpful.

for the first time in my life, since I moved up to AR in March 2011, I have been without insurance. At 61 yrs old, that is a very scary place to be. I have also, for the last 30 years, been in the medical insurance and billing business. I have perhaps a better grasp on what this law is intended to do, and how it intends on getting there. I have done underwriting, and understand the concept of spreading the risk to obtain lower premiums. I am looking forward to the implementation of the ACA. It will help me (since ins companies can no longer deny me coverage for any pre-existing conditions, or require me to fill out a 15 page application form, asking nothing but questions on "Have you EVER had____" ) I mean, at age 61, there isn't a whole lot that I haven't had! So now, all they will be able to ask me is how much I made last year, and that is only to see if I qualify for premium assistance.

I am self employed, and have a small company (currently 6 employees), so I do not HAVE to offer them ins. I will, however, even if it is just by supplementing premiums they have to pay out of pocket. However, most of them will qualify for drastically reduced rates, if not completely covered.

My one question that I had, and I haven't been able to find an answer to it yet, and the "navigators" aren't in place yet to ask, is whether the income from last year is based on Gross or Taxable Income.

Anyone know?

APG

09-04-2013, 05:52 PM	#6
DapperButch Roadster Guy How Do You Identify?: FTM, Stone Butch Preferred Pronoun?: He Join Date: Nov 2009 Location: Northeast Posts: 7,745 My Photo Gallery Thanks: 26,545 Thanked 26,810 Times in 5,772 Posts Rep Power: 21474858	Here's a calculator to play around with from the Kaiser Family. I threw my numbers in and was surprised as to how cheap it would be for me. http://kff.org/interactive/subsidy-calculator/ ETA: Adding a quote from this page: "In general, employees who are offered insurance through work are not eligible for subsidized exchange coverage, so long as their insurance meets specified requirements. You would only be eligible for subsidized exchange coverage if your income is between 1 and 4 times the federal poverty level and you would have to pay more than 9.5% of your household income for your own coverage through the insurance offered by your employer. " TeddyBear, you may find you qualify for a policy that is cheaper than the one at your work. __________________ -Dapper Are you educated or indoctrinated?

09-04-2013, 06:18 PM	#10
Corkey Infamous Member How Do You Identify?: Human Preferred Pronoun?: He Relationship Status: Very Married Join Date: Dec 2009 Location: Where I want to be Posts: 8,155 My Photo Gallery Thanks: 47,491 Thanked 29,268 Times in 6,637 Posts Rep Power: 21474859	True story. I didn't have medical care (insurance) for 7 years. I could not get any medical care as I also didn't have any money. I finally get medicare and find out I had a mass the size of a basket ball in my gut. The surgery cost medicare 35 thousand dollars for a 3 day stay in a private room. I paid $400 in copay. Without insurance I would have died. I can not for the life of me understand how giving people the access to healthcare is a bad thing. __________________ "Many proposals have been made to us to adopt your laws, your religion, your manners and your customs. We would be better pleased with beholding the good effects of these doctrines in your own practices, than with hearing you talk about them". ~Old Tassel, Chief of the Tsalagi (Cherokee)

09-04-2013, 04:51 PM	#2
BullDog Infamous Member How Do You Identify?: Dominant Stone Butch Daddy Preferred Pronoun?: She Join Date: Nov 2009 Location: In A Healing Place Posts: 5,371 My Photo Gallery Thanks: 18,160 Thanked 22,640 Times in 4,463 Posts Rep Power: 21474856	Thanks for the links Corkey. As a self-employed person, I do think Obama Care will give me much better options for health insurance. I need to start doing more research, and your links will definitely help me.

09-04-2013, 06:45 PM	#12
ArkansasPiscesGrrl Member How Do You Identify?: femme Preferred Pronoun?: she, her Relationship Status: feeling pretty darned blissful right now! Join Date: Aug 2011 Location: central AR Posts: 856 My Photo Gallery Thanks: 3,594 Thanked 3,079 Times in 741 Posts Rep Power: 21474851	Thanks for the links sent. They really are helpful. for the first time in my life, since I moved up to AR in March 2011, I have been without insurance. At 61 yrs old, that is a very scary place to be. I have also, for the last 30 years, been in the medical insurance and billing business. I have perhaps a better grasp on what this law is intended to do, and how it intends on getting there. I have done underwriting, and understand the concept of spreading the risk to obtain lower premiums. I am looking forward to the implementation of the ACA. It will help me (since ins companies can no longer deny me coverage for any pre-existing conditions, or require me to fill out a 15 page application form, asking nothing but questions on "Have you EVER had____" ) I mean, at age 61, there isn't a whole lot that I haven't had! So now, all they will be able to ask me is how much I made last year, and that is only to see if I qualify for premium assistance. I am self employed, and have a small company (currently 6 employees), so I do not HAVE to offer them ins. I will, however, even if it is just by supplementing premiums they have to pay out of pocket. However, most of them will qualify for drastically reduced rates, if not completely covered. My one question that I had, and I haven't been able to find an answer to it yet, and the "navigators" aren't in place yet to ask, is whether the income from last year is based on Gross or Taxable Income. Anyone know? APG