Texas. No exchange. But they could go to the Federal exchange, correct?
Do you have any idea how this would work with our current coverage? Do you need a special enrollment even to drop someone from your coverage?
Most open enrollment for insurance runs October to December. This year the exchange open enrollment runs from October 1 through March in recognition that this is the first year and very confusing.
So, its seems to me that most likely you can simply not renew your coverage of him when the policy ends and then go to exchange open enrollment but I am not positive, so it’s something you’d need to research further.
If you go the Healthcare site, you will find a drop-down box to select your state.
In the case of non-exchange States, the message is "you will shop for insurance here, at this site.
Click the white box and see what comes up. I haven’t looked.
Texas seems to be vehemently opposed, so don’t be surprised if your Governor and/or Attorney General try to scuttle you.
In other words: get the new policy in hand before dropping any you do have.
And be sure to vote.
Yeah, you’re right. That big bad republican RNATB should stop trying to scare you. How dare he?!? This is GQ!
flex
[moderating]
Yes, it is. Let’s all keep that in mind. There are plenty of places to debate this in GD or the Pit. Everyone needs to – as the thread title says – stick to “Facts Only.”
Thank you – no mod notes or warnings issued.
[/moderating]
Well, this is interesting…
I had assumed that I would be told “you go get Medicare”.
When I was looking, I filled out a form, long/short:
Had a young man (he does get paid for selling policies, but has a large list of options.
I turns out, that, by using Medicare + Supplement (I use a bunch of healthcare, and Medicare only pays for 80%), plus drug coverage - all of which is required to approximate the coverage under a “Gold” plan (in CA) would cost MORE than the ACA Gold.
And I’d still hit the “donut” - a gap in Medicare coverage that even the supplement doesn’t cover.
I’m supposed to get blood work every 6 weeks - last time I did, my $504/mo insurance paid exactly $0.00 (deductible strikes again), leaving me with a $192 bill. At least I get the “negotiated rate” - retail was $505. Yes, blood work. $505. 3 tests. CBC. Basic Metabolic and PhO4 (? Phosphorous work up)
Since my insurance company as said nothing, I am assuming they have found a loophole by which to “grandfather” my premium, so they can ignore the part about not charging more for sickies.
I am hoping that, since, to get equivalent insurance through this patchwork of policies would cost more than the ACA, I can slip in. Damned well give it a shot.
You would be told that only if you were over 65 or permanently disabled. Did you mean Medicaid?
Disabled.
On SS disability since 1/1/07
I must have declined Part B, as that seems to be the only reason I wouldn’t have it.
Now:
104.90 for Part B
127.00 for Blue Shield to cover the 20% Medicare doesn’t
xxxx For Part D (didn’t ask)
47.60 for Humana policy to cover what Part D doesn’t
That’s going to be around $200/month
ACA Silver would be $138
Medicare will be comparable to the Gold plan, and I still get treated as a “Medicare Patient”.
Excuse me if I don’t willingly swallow that bit of Flavor-Aid*
- -You’d think that, for that special occasion, they could’ve sprung for the high-priced spread, Kool-Aid**.
** - I lived in SF; we get to make sick jokes.