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Old 11-15-2020, 06:14 AM
 
Location: Summerlin NV
56 posts, read 40,031 times
Reputation: 40

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Quote:
Originally Posted by PinkString View Post
I pay less than $15 a month for medical insurance, but I have a huge deductible. So, it's not so great. Certain incomes you get a discount per month. You find this out at the Nevada Health link website.
That's an invaluable resource that you just taught me! Nevada Health Link would be an amazing option for people who live below 138 percent of the federal poverty line.

I right now use tricare reserve select, but in a couple of years I won't be eligible anymore so I will seriously consider the Nevada Health Link.
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Old 11-15-2020, 09:11 AM
 
48 posts, read 14,097 times
Reputation: 20
I looked there and the cheapest I saw was about $300 monthly.
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Old 11-15-2020, 02:23 PM
 
48 posts, read 14,097 times
Reputation: 20
And with that $300+ monthly, still would have to pay first $8500 of expenses out of pocket.
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Old 11-15-2020, 03:09 PM
 
48 posts, read 14,097 times
Reputation: 20
Quote:
Originally Posted by gender View Post
That's an invaluable resource that you just taught me! Nevada Health Link would be an amazing option for people who live below 138 percent of the federal poverty line.

I right now use tricare reserve select, but in a couple of years I won't be eligible anymore so I will seriously consider the Nevada Health Link.
What if you arent working and money comes from end of year stock dividends an/or stock sales?
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Old 11-15-2020, 03:41 PM
 
Location: Summerlin NV
56 posts, read 40,031 times
Reputation: 40
Quote:
Originally Posted by Jrny View Post
What if you arent working and money comes from end of year stock dividends an/or stock sales?
That's exactly what my situation will be for me when I become ineligible for the Tricare Reserve Select.

You basically have 2 options
1 if your Modified Adjusted Gross Income is below the federal poverty line, enroll in Medicaid/Nevada Medicaid
2 If you MAGI makes you ineligible for Medicaid, try NevadaHealthLink
3 Try Federal Health Marketplace (ObamaCare)
4 Move to a different country and enjoy their better health care systems, I'm thinking about going to Mexico if I cannot afford Las Vegas anymore
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Old 11-15-2020, 04:17 PM
 
48 posts, read 14,097 times
Reputation: 20
So how are these people paying $15 or $45 a month?
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Old 11-16-2020, 02:36 AM
 
Location: Somewhere.
10,353 posts, read 23,215,115 times
Reputation: 8636
Quote:
Originally Posted by Jrny View Post
I looked there and the cheapest I saw was about $300 monthly.

Yes, most cost around that much. And much more. But after you input your income from all sources, they check to see if you qualify for cost sharing. Which I do. So my payment that would normally be $650+ a month, gets reduced to less than $15. But my deductible is $8500. Which I thought was quite bad, but not as bad as I thought. Tricky. Everyone's mileage may vary.

Last edited by PinkString; 11-16-2020 at 02:37 AM.. Reason: typo
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Old 11-17-2020, 09:23 PM
 
Location: ☀️
1,233 posts, read 1,007,984 times
Reputation: 1366
Quote:
Originally Posted by PinkString View Post
Yes, most cost around that much. And much more. But after you input your income from all sources, they check to see if you qualify for cost sharing. Which I do. So my payment that would normally be $650+ a month, gets reduced to less than $15. But my deductible is $8500. Which I thought was quite bad, but not as bad as I thought. Tricky. Everyone's mileage may vary.
Pink, can you tell me more about how someone qualifies for cost sharing? Or more details on the income input you mentioned, like how that works. I'd love to reduce my insurance payment. I pay $270/month currently with 7500 deductible. I'd love to swap my plan to similar to yours.
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Old 11-17-2020, 10:14 PM
 
Location: Lone Mountain Las Vegas NV
16,921 posts, read 6,990,640 times
Reputation: 7915
My wife and I have total Medical costs of $1000 a month. Our major bill behind housing.

On the other hand I bill over $250,000 most years and have gone over $500,000 recently. Spouse does not approach these heights but is still a good deal

Our deductibles etc. are minor in comparison. The only annoyance is when we fall into the donut hole and our prescription cost triples.
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Old 11-18-2020, 12:15 AM
 
Location: NNV
2,922 posts, read 1,945,325 times
Reputation: 5635
Quote:
Originally Posted by gender View Post
4 Move to a different country and enjoy their better health care systems, I'm thinking about going to Mexico if I cannot afford Las Vegas anymore
Yes, I suggest you not waste any more money trying to establish residence in Nevada and move to Mexico.
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