U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 03-26-2015, 09:45 AM
 
Location: SoCal
6,063 posts, read 9,522,564 times
Reputation: 5789

Advertisements

When I retired last November (at age 63) our financial advisor pointed us to an ACA advisor. The ACA advisor described our options, and then he took care of *all* the applying. When we discovered that the ACA version of BC/BS was not accepted by my health care providers, he was easily able to switch me to a different plan. He also took care of transitioning DH from being covered by my employer and getting DH's PartB and PartD and Medi-gap.

If we'd had to do that ourselves, I'd still be weeping and tearing my hair out!

The ACA advisor cost us nothing. The insurance industry as a whole pays them, so they have no bias towards one plan over another.
Reply With Quote Quick reply to this message

 
Old 03-26-2015, 11:46 AM
 
823 posts, read 563,721 times
Reputation: 2592
I am below retirement age and employed part time. My income is low, so I qualified for Apple Care on the WA ACA exchange. Apple Care is the state Medicaid plan in Washington. So far the care has been very good. My doctor is excellent. There is no cost for coverage to myself, and each dependent I add to my plan costs $30/month. No co-pays or drug costs or anything like that.

If a person retires before FRA and has a low income, might he or she not qualify easily for health care subsidies on the ACA exchange, or possibly even the free Medicaid coverage (if their state is one of those that expanded Medicaid)?
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 12:38 PM
 
9,676 posts, read 15,852,351 times
Reputation: 16013
Quote:
Originally Posted by Heidi60 View Post
My DH worked until age 70 so we went from employer based insurance to Medicare/United Health Care and have been happy. In my area, many doctors don't accept that obama care as there isn't enough money in for them so be careful about checking with your doctors before you make a any decisions. We have found good doctors who accept Medicare but there are some who don't.

Good points

Also, be careful when they say they accept Medicare. That's today, anything can change tomorrow. And, some doctors do "accept" Medicare, but limit how many they take. Perhaps they keep current Medicare patients, but don't accept new ones.

Realize, doctors are, essentially, small business owners. They don't have to be in business at all. They don't have to accept any insurance plans. Once they accept them, they have to go by their edicts, but nothing says they have to accept that plan in the first place. I have two doctors who have simply stopped accepting any insurance at all, its you pay, then, get whatever reimbursement you can from your insurance. I dropped my endocrinologist for that reason, but he seems to be doing ok without me

Don't think that you can get your reimbursement from the insurance, either. My rheumatologist recently dropped all insurance. My last office visit came to ~400. Insurance reimbursement cameto a measly $12, that didn't even pay for the parking!
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 12:41 PM
 
9,676 posts, read 15,852,351 times
Reputation: 16013
Quote:
Originally Posted by oddstray View Post
When I retired last November (at age 63) our financial advisor pointed us to an ACA advisor. The ACA advisor described our options, and then he took care of *all* the applying. When we discovered that the ACA version of BC/BS was not accepted by my health care providers, he was easily able to switch me to a different plan. He also took care of transitioning DH from being covered by my employer and getting DH's PartB and PartD and Medi-gap.

If we'd had to do that ourselves, I'd still be weeping and tearing my hair out!

The ACA advisor cost us nothing. The insurance industry as a whole pays them, so they have no bias towards one plan over another.
I'm glad things are working out for you

Just a caveat--whenever you put major decisions in the hands of someone else, do make sure to come behind them and double-check their advice. There's too much to lose if their advice is flawed.
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 04:03 PM
 
48,516 posts, read 83,890,268 times
Reputation: 18049
Quote:
Originally Posted by MaryleeII View Post
Welcome to my world!

The day I turned 21 I was diagnosed with rheumatoid arthritis. Staying insured has been my main priority since the beginning of adulthood to-----present! I was on my father's insurance, then my own through employers, then through my dh employment. Job decisions were ultimately made based on obtaining/keeping health insurance. Many times either I or DH turned down more lucrative jobs in favor of those with more solid benefits. While other young girls my age were buying makeup, clothes, jewelry, I had to pay for insurance premiums, copays, and pills

Don't complain too much, all you soon-to-be retirees for having to work for insurance. Be grateful it wasn't all your working life!
I think anyone working and having insurance had to do same all their working life. I actually paid for it most my working life before getting any good from it; while many who had conditions were in the same pool and increased cost for all. I don't complain; might want to consider that.
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 04:16 PM
 
2,429 posts, read 3,221,988 times
Reputation: 3330
Quote:
many doctors don't accept that obama care
Obama care is NOT the insurance itself....so you mean they won't except a policy you got through an 'exchange?'

Policies though the exchanges...do they have certain policy numbers -- OR pre-fixes or suffixes on the policy number -- are they titled a certain way -- that give away the fact that it's through an exchange?

Unless you're specifically ASKED -- how does the DOCTOR know it's a policy you got through an exchange?


And even then it's not that the doctor doesn't accept "Obamacare" it's that they're not accepting insurance policies that insurers created to comply with the law.

((I was asked about it. When I made an appointment with a specialist accepted insurance with YXZ insurer, I was asked if it was thorough my employer...which of course is a way to ask without asking......about other information))
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 04:43 PM
 
Location: Montana
1,752 posts, read 1,652,767 times
Reputation: 5951
Quote:
Originally Posted by brightdoglover View Post
Don't see where anyone said it was "the same cost", but subsidies based on income. If that's a wealth transfer program also, then so be it. No one seemed distressed when it was Romneycare.

Those who are against the ACA should remember that it also includes inclusion of people with pre-existing conditions. This is a lifesaver for people who lose their benefits jobs before age 65 and have something like high blood pressure, never mind something more serious. If the whole ACA is canned, that goes with it.
Well, sort of. If you can time your illness and transition coverage for the open enrollment period, and don't have cancer or other terminal illness that requires treatment or death if you miss the window and have to wait until the next open enrollment period (my brother got caught in that gap, and 3 of us sibs just paid his med bills ach and carry because of it). Maybe that will get fixed, maybe it won't, but it is not as clean as you present it for those with pre-existing conditions.

Most states had a risk pool insurance of last resort - it was expensive, but it covered pre-existing conditions (hence it was expensive), I suspect those would return if the ACA were repealed. That expense (pre-existing condition insurance) doesn't disappear under Obamacare, it just gets distributed through higher overall premiums.

The tiered insurance aspect isn't what most people have the issue with, it is the berueacratic administration and non health care gate keepers that are imbedded in the system that are problematic, along with weird requirements like men having pregnancy and prenatal care as part of their insurance cost and coverage.
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 06:43 PM
 
5,457 posts, read 6,899,221 times
Reputation: 4237
Quote:
Originally Posted by rdflk View Post
Obama care is NOT the insurance itself....so you mean they won't except a policy you got through an 'exchange?'

Policies though the exchanges...do they have certain policy numbers -- OR pre-fixes or suffixes on the policy number -- are they titled a certain way -- that give away the fact that it's through an exchange?

Unless you're specifically ASKED -- how does the DOCTOR know it's a policy you got through an exchange?


And even then it's not that the doctor doesn't accept "Obamacare" it's that they're not accepting insurance policies that insurers created to comply with the law.

((I was asked about it. When I made an appointment with a specialist accepted insurance with YXZ insurer, I was asked if it was thorough my employer...which of course is a way to ask without asking......about other information))
Most of the time it says so on the card. My non subsidized individually purchased plan card says non exchange on my plan.

I would hope a doctor office would know what plans they accept whether exchange or non exchange. You better make sure they are in network for these exchange type plans as the networks are more narrow and most have no out of network coverage available.
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 07:17 PM
 
Location: East Coast
2,902 posts, read 4,580,264 times
Reputation: 4291
Quote:
Originally Posted by josie13 View Post
If a person retires before FRA and has a low income, might he or she not qualify easily for health care subsidies on the ACA exchange, or possibly even the free Medicaid coverage (if their state is one of those that expanded Medicaid)?
In my state, the answer would be "yes".
Reply With Quote Quick reply to this message
 
Old 03-26-2015, 07:34 PM
 
3,703 posts, read 2,192,310 times
Reputation: 4148
Quote:
Originally Posted by rdflk View Post
Obama care is NOT the insurance itself....so you mean they won't except a policy you got through an 'exchange?'

Policies though the exchanges...do they have certain policy numbers -- OR pre-fixes or suffixes on the policy number -- are they titled a certain way -- that give away the fact that it's through an exchange?

Unless you're specifically ASKED -- how does the DOCTOR know it's a policy you got through an exchange?


And even then it's not that the doctor doesn't accept "Obamacare" it's that they're not accepting insurance policies that insurers created to comply with the law.

((I was asked about it. When I made an appointment with a specialist accepted insurance with YXZ insurer, I was asked if it was thorough my employer...which of course is a way to ask without asking......about other information))
There is something that flags it. I had to walk out of a mammogram appointment last week. Once she looked at my card she said that they were out of network on the exchange. I had to call BC/BS and spent 15 mins on the phone to find out I would owe 40% (of what, I have no idea). I ended up going to another place where it was covered 100%

That's was a shock to me after all my prior mammograms being free whether I had insurance or not.

I have not been asked if I have employer insurance. It's either the number or something it says on the card that did it.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top