Obamacare’s winners include older Americans – CBS News.
For many older Americans who lost jobs during the recession, the quest for health care has been one obstacle after another. They’re unwanted by employers, rejected by insurers, struggling to cover rising medical costs and praying to reach Medicare age before a health crisis.
These luckless people, most in their 50s and 60s, have emerged this month as early winners under the nation’s new health insurance system. Along with their peers who are self-employed or whose jobs do not offer insurance, they have been signing up for coverage in large numbers, submitting new-patient forms at doctor’s offices and filling prescriptions at pharmacies.
“I just cried I was so relieved,” said Maureen Grey, a 58-year-old Chicagoan who finally saw a doctor this month after a fall in September left her in constant pain. Laid off twice from full-time jobs in the past five years, she saw her income drop from $60,000 to $17,800 a year. Now doing temp work, she was uninsured for 18 months before she chose a marketplace plan for $68 a month.
Young invincibles need to sign up quickly or the risk pool will be way to lopsided.
A word to the wise from USA Today/Kaiser Foundabtion editorial board.
- Carry your membership card everywhere.
- Understand your plan’s doctor and hospital network.
- Stay in the network.
- Try to stay in-network even if it’s for emergency care.
- Avoid all emergency rooms unless it’s really an emergency.
- Pay monthly premiums on time and accurately.
- Register online with your new insurance company.
- Save paperwork. Make sure you really owe what doctors and hospitals bill you for.
- If you don’t get satisfaction from providers or insurers, try regulators.
- Do read the plan’s summary of benefits and coverage.
Did they mention STAY IN NETWORK? GOOD. My advice to you: STAY IN NETWORK.
It’s interesting that as a rule, my healthy clients are not overly concerned with the network coverage. Clients with medical conditions have a much greater awareness. I suggest that the healthy clients learn a lesson from those with medical conditions.
10 Top Questions Consumers Ask About Obamacare | The Fiscal Times.
- How do I sign up, and is the website working better?
- When is the deadline to sign up?
- How much is the penalty?
- What kinds of plans are offered under the new exchanges?
- Do I get to keep my doctor?
- I heard some of the top hospitals aren’t accepting Obamacare, is that true?
- How expensive are Obamacare plans compared to employer-based coverage?
- Who qualifies for subsidies?
- Where can you find out if you qualify for a subsidy?
- How does the subsidy work?
Additional information on the Obamacare penalty here.
What to consider before deciding to go without health insurance – latimes.com.
Valuable information, except the information regarding why Sarah and her daughter are not eligible for premium assistance in incorrect.
Sarah and daughter are not eligible for a subsidy because her husband’s coverage is deemed “affordable” for him and the plan offers to cover the rest of the family. How much it costs to cover the rest of the family is not relevant to this situation. This is known as the “family glitch”.
If his plan did not offer to cover the rest of the family, then the household income would come into play.