Is a $5,000 deductible Obamacare policy fair to the poor?

[Antares]

I took a Dr. through the Exchange 2 adults and 6 kids, he made 100 G's and got a $1000 subsidy, I was stunned.

AGI of 100k?

Technically MAGI but yes,I found it repugnant....he in NO way needed the subsidy.

I was also having to turn away folks that only made 11500

Question, would a land rich, cash poor senior, on Medicare, get a subsidy for their supplemental insurance?

Yes, it's all based on income.

You said they would get help on their SUPPLEMENTAL Insurance? I don't think so, not on the Exchange....they may qualify for MEDICAID to help them with what Medicare does not pay, but for a supplemental Insurance plan of their own, I'm not so sure you are correct on that?

You're right I read it wrong, I was thinking regular ACA not Medicare.

THe only way to get help with Medicare is to be dual eligible meaning they get Medicaid too, Medicaid is based on assets.

Thank you for pointing that out.

 

[Roadrunner]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

This kind of shit was happening before obamacare. The insurance jacked up the price but then offered an alternative where company pay less but you pay out of pocket. This sucks.

And I'm not arguing for personal reasons. Mines only $1000 a year.

Mine is $300.

A year? I thought mine was great.

Yes.

And Medicare, which I was forced into, pays 80% after that, and supplemental pays 80% of the difference.

I am in good shape, until we go to "single payer", and a Soviet "Cancer Ward" type system.

 

[Roadrunner]

AGI of 100k?

Technically MAGI but yes,I found it repugnant....he in NO way needed the subsidy.

I was also having to turn away folks that only made 11500

Question, would a land rich, cash poor senior, on Medicare, get a subsidy for their supplemental insurance?

Yes, it's all based on income.

You said they would get help on their SUPPLEMENTAL Insurance? I don't think so, not on the Exchange....they may qualify for MEDICAID to help them with what Medicare does not pay, but for a supplemental Insurance plan of their own, I'm not so sure you are correct on that?

You're right I read it wrong, I was thinking regular ACA not Medicare.

THe only way to get help with Medicare is to be dual eligible meaning they get Medicaid too, Medicaid is based on assets.

Thank you for pointing that out.

I am talking about my supplemental.

I probably wouldn't take a subsidy anyway, I figure the paperwork and intrusion into my life would not be worth it.

 

[Antares]

Technically MAGI but yes,I found it repugnant....he in NO way needed the subsidy.

I was also having to turn away folks that only made 11500

Question, would a land rich, cash poor senior, on Medicare, get a subsidy for their supplemental insurance?

Yes, it's all based on income.

You said they would get help on their SUPPLEMENTAL Insurance? I don't think so, not on the Exchange....they may qualify for MEDICAID to help them with what Medicare does not pay, but for a supplemental Insurance plan of their own, I'm not so sure you are correct on that?

You're right I read it wrong, I was thinking regular ACA not Medicare.

THe only way to get help with Medicare is to be dual eligible meaning they get Medicaid too, Medicaid is based on assets.

Thank you for pointing that out.

I am talking about my supplemental.

I probably wouldn't take a subsidy anyway, I figure the paperwork and intrusion into my life would not be worth it.

No, you'd have to be dual eligible, and they count ALL assets.

 

[sealybobo]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

This kind of shit was happening before obamacare. The insurance jacked up the price but then offered an alternative where company pay less but you pay out of pocket. This sucks.

And I'm not arguing for personal reasons. Mines only $1000 a year.

Mine is $300.

A year? I thought mine was great.

Yes.

And Medicare, which I was forced into, pays 80% after that, and supplemental pays 80% of the difference.

I am in good shape, until we go to "single payer", and a Soviet "Cancer Ward" type system.

You'll be OK old man its just a shower room. Door locks and gas starts seeping in.

 

[jon_berzerk]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

The point is, that your title is incorrect and your assumptions about this woman's policy is probably incorrect as well.

The poor, yes, your title SAID the poor on the Exchange have to pay $5000 deductibles and that is simply NOT TRUE, the poor get extra help in paying those deductibles and copays, with a Silver plan, on the exchange....they may have opted OUT of the silver plan, but that was their decision not to get the extra help.

I don't believe you intentionally mislead us, I think you, along with a lot of other people are unaware of the full program for the poorest on the exchange.

It's not like it is ADVERTISED on TV that there are cost sharing programs for the poorest on the exchange in addition to their subsidy for the premiums.... you have to research to find these things out, which I did over a year or two ago, when all of you guys kept mentioning the $5000 deductibles for the poor...and I volunteered at the community church to help the poor sign up.

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

 

[jon_berzerk]

If one cannot afford to pay 5 G's it matters not whether it's 5 or 500

Many of the bronze plans are aggregate, that's where the 13000 Ded or thereabout comes in.

they are in the silver plan was well

 

[Roadrunner]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

This kind of shit was happening before obamacare. The insurance jacked up the price but then offered an alternative where company pay less but you pay out of pocket. This sucks.

And I'm not arguing for personal reasons. Mines only $1000 a year.

Mine is $300.

A year? I thought mine was great.

Yes.

And Medicare, which I was forced into, pays 80% after that, and supplemental pays 80% of the difference.

I am in good shape, until we go to "single payer", and a Soviet "Cancer Ward" type system.

You'll be OK old man its just a shower room. Door locks and gas starts seeping in.

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

This kind of shit was happening before obamacare. The insurance jacked up the price but then offered an alternative where company pay less but you pay out of pocket. This sucks.

And I'm not arguing for personal reasons. Mines only $1000 a year.

Mine is $300.

A year? I thought mine was great.

Yes.

And Medicare, which I was forced into, pays 80% after that, and supplemental pays 80% of the difference.

I am in good shape, until we go to "single payer", and a Soviet "Cancer Ward" type system.

You'll be OK old man its just a shower room. Door locks and gas starts seeping in.

Not me, I ain't leaving all this ammo to my kids:

 

[MeBelle]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

The point is, that your title is incorrect and your assumptions about this woman's policy is probably incorrect as well.

The poor, yes, your title SAID the poor on the Exchange have to pay $5000 deductibles and that is simply NOT TRUE, the poor get extra help in paying those deductibles and copays, with a Silver plan, on the exchange....they may have opted OUT of the silver plan, but that was their decision not to get the extra help.

I don't believe you intentionally mislead us, I think you, along with a lot of other people are unaware of the full program for the poorest on the exchange.

It's not like it is ADVERTISED on TV that there are cost sharing programs for the poorest on the exchange in addition to their subsidy for the premiums.... you have to research to find these things out, which I did over a year or two ago, when all of you guys kept mentioning the $5000 deductibles for the poor...and I volunteered at the community church to help the poor sign up.

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

 

[Geaux4it]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

Better coverage defined as, and by who?

-Geaux

WHO which ranks us #26 in the world

And that is important to you I see...

-Geaux

 

[Geaux4it]

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

Better coverage defined as, and by who?

-Geaux

WHO which ranks us #26 in the world

And which uses completely different rules to measure us than they do other countries, thus sandbagging our ranking. For example, infant deaths are not counted the same between us and other countries.

I love how they rank us like we were like the 99% white Scandinavian countries with populations smaller than the ghettos of our biggest cities.

Send 200,000 randomly picked New Orleanians to Sweden, and within 30 years Stockholm will look like the Lower 9th Ward.

Yea, the leftist like to use those 'countries' in defense of ACA, but point out the same relative to gun laws and.......... yep.... they like to start comparing demographics. lol

-Geaux

 

[Geaux4it]

Not all who qualify for a subsidy qualify for cost sharing.

Of Course! Not all that go on the exchange are poor....even the middle class can get some premium subsidy help if they are unable to get an insurance plan through their employer.

I posted the link earlier that showed the income ranges per number of people in the family, that QUALIFY for cost sharing reductions. If you are married with near two hands full of kids you can make as much as $100,000 a year and still qualify for some Cost sharing reductions though.

I took a Dr. through the Exchange 2 adults and 6 kids, he made 100 G's and got a $1000 subsidy, I was stunned.

AGI of 100k?

Technically MAGI but yes,I found it repugnant....he in NO way needed the subsidy.

I was also having to turn away folks that only made 11500

That's not his fault.

He's got 6 kids. 100k isn't rich for a family of 8. He's a middle class professional. Glad he can get the help.

The help he needed was condoms

The good Dr is living beyond his means

-Geaux

 

[Care4all]

View attachment 38774

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

The point is, that your title is incorrect and your assumptions about this woman's policy is probably incorrect as well.

The poor, yes, your title SAID the poor on the Exchange have to pay $5000 deductibles and that is simply NOT TRUE, the poor get extra help in paying those deductibles and copays, with a Silver plan, on the exchange....they may have opted OUT of the silver plan, but that was their decision not to get the extra help.

I don't believe you intentionally mislead us, I think you, along with a lot of other people are unaware of the full program for the poorest on the exchange.

It's not like it is ADVERTISED on TV that there are cost sharing programs for the poorest on the exchange in addition to their subsidy for the premiums.... you have to research to find these things out, which I did over a year or two ago, when all of you guys kept mentioning the $5000 deductibles for the poor...and I volunteered at the community church to help the poor sign up.

Exchange have to pay $5000 deductibles and that is simply NOT TRUE

bs why do you keep lying

i have posted several policies for the poor on this thread

that show the poor paying much more then 5000

5000 deductible plus 5000 out of pocket plus 50 percent co insurance

Covered California


Bronze plans for Covered CA, single male earning $20k a year $5k deductible.

The verbiage has changed to make it look so pretty.

And of course the darn link doesn't work. Broken, just like everything Californian

MaBelle,

You wrongly put in for a bronze plan.

Please do that same exercise and put in for a SILVER PLAN.

POST 115 shows that if a single man makes between $11500 to $29000 they are eligible to receive a second/additional supplement with COST SHARING REDUCTION AS LONG AS they pick a SILVER LEVEL PLAN.

There is no additional help with a bronze plan.

IT MUST BE A SILVER LEVEL PLAN.

A SILVER PLAN

A SILVER PLAN

A SILVER PLAN

NOT a BRONZE.

Please try it, use your same example of 20 years old, single male etc ans show us what it says the coverage is for that with his additional subsidy CSR.

 

[MeBelle]

Care4all

 

[Care4all]

View attachment 38785 Care4all

Thank you!

Now one more thing....

Put in a 20 year old single male making 35k a year.... for these exact 3 silver plans

I want to see if they are putting the Cost Sharing Reduction in the figures or not?

 

[MeBelle]

View attachment 38785 Care4all

Thank you!

Now one more thing....

Put in a 20 year old single male making 35k a year.... for these exact 3 silver plans

I want to see if they are putting the Cost Sharing Reduction in the figures or not?

gaaaaaaaa! Yes Mom! lol

 

[Care4all]

View attachment 38785 Care4all

Thank you!

Now one more thing....

Put in a 20 year old single male making 35k a year.... for these exact 3 silver plans

I want to see if they are putting the Cost Sharing Reduction in the figures or not?

gaaaaaaaa! Yes Mom! lol

what is the link? can I get in there?

 

[MeBelle]

Care4all

 

[MeBelle]

View attachment 38785 Care4all

Thank you!

Now one more thing....

Put in a 20 year old single male making 35k a year.... for these exact 3 silver plans

I want to see if they are putting the Cost Sharing Reduction in the figures or not?

gaaaaaaaa! Yes Mom! lol

what is the link? can I get in there?

Is Maine signed up for the Marketplace?

 

[Care4all]

Care4all
View attachment 38786

i can't tell, it was cut off on parts I wanted to compare...and one gives a summary and the other screen print doesn't?