You will have a choice of multiple plans everbody ha different needs. Your 19 year olds CHIPs will roll over the 31st of jan. I'd do it even for the month as CHIPS has both dental and vision coversge.
IF uou are dealing with the federal site, just start over with a new app same accoint. The last dozen or so we did took 20 minutes or so You don't need to buy your policy on line. Go to a real insurance agent.
Don't lose sleep over your kids. Their policies are retroactive to date of application. As CHIPS is medicaid, it goes through a case worker.
Don't worty about heath questions either, smoking is the only one they ask. I'm not sure what martibot is talking about.
Lamb, thank you so much for your quick and informative reply. I learned more here than I have in hours of websites and abortive phone calls. I'm going to ask a couple more questions if I may. My philosophy is that if I have questions, other people probably have some of the same ones.
I completed my application, except for purchasing, a week or so ago. Is it a fair assumption that the state received info on Kid 2 & Kid 3 at that time? The paperwork said I would hear from the state, which I have not, but I do live in one of the least competent states in the union by any measure. Our income isn't too high, but we do have some assets. Does that disqualify the kids from CHIPS eligibility? Are assets at risk of seizure upon liquidation the way they are with Medicaid nursing home care?
From what you said above, it looks like the deductibles and stop-loss amounts in silver plans drop if your income is lower- true?? That's something I have not heard or understood in all the research I have done, and it might explain why the Silver C and Silver D plans from the same company I'm looking at look to be identical except for the premium- almost $100 higher for the "C" coverage. I have been losing sleep for weeks over that 12K stop-loss if more than one of us should have a bad year.
nope is strictly need based. I wouldn't assume anything but yeah 3 & 4s info shoild be there.. If you have a completed application, just get with regular insurance agent. They get regular company commision on these policies.
Iwould make a dentist and eye appointment for the 19 year old. You can always cancel. Tell them he has chips that will be going away. They should get him in.......
Smokers pay more. But please post some sources for your information of up to 50% higher. And each offense? Do private insurance companies keep tabs on people with hidden cameras or something? I'd love to hear how this works, with FACTS.
mataribot said:
Don't forget the obesity and smokers penalties. It's one of obamacare's great features; your premiums may be as much as 50% higher than someone who does not smoke and or drink for each offense! Oh, and subsidy's cannot be used to offset penalties.
That’s the rationale for a provision in the Affordable Care Act - “Obamacare” to its detractors - that starting next year allows health insurers to charge smokers buying individual policies up to 50 percent higher premiums. A 60-year-old could wind up paying nearly $5,100 on top of premiums.
Health insurance companies have historically charged a higher premium to those who smoke. This is not new, nor is it even alarming. In fact, when I bought health insurance through a previous employer I was charged a much higher rate because, at the time, I smoked. It is fairly clear to me (and I'm sure many others) that you are one who does not support the Affordable Care Act. That is perfectly okay, you have that right. However, I feel it is in extremely poor taste for you to come on here and blast the system when so many of us are desperate to get health insurance who have not been able to because of pre-existing conditions. If you don't want to sign up, don't - and more power to you. But please, be a silent protester. This is not the appropriate venue for you to air your politically bent views.
It is alarming. I’m fat and I have never been charged 50% percent more in premiums. The cost of previous plan is the same as person in the next cubicle and there not fat. If these numbers are remotely close, how does someone making 35k afford 8k in premiums plus a ridiculous high deductible? They don’t; they simply go without insurance and pay the much cheaper tax penalty. These penalties are supposed to be punishment, but in fact they are not; they reinforce bad behavior.
Look: I am usually pretty calm and try to keep my nose out of things. But I am on Prednisone, and I've got my B&^%^ boots on. I asked you to give it up. You persist. Llamb, who knows what he's talking about, is volunteering to help people apply, and who has done a ton of research (but is too nice to stomp on you) has politely and nicely told you to do some actual research. I'm not nearly as nice as Llamb. So...Quit being a bully. There are a lot of people that come here when they are already emotionally fried from dealing with PsA, their families, the holidays, and the meds. We don't need someone lurking in a post and throwing out misleading and erroneous information while dressing it up in quasi-formulaic jargon.
I'm really not sure why you seem to be so emotionally invested in this argument, but whatever the reason is it is time for it to end. Once again: please just give it up. If you want to rant and rave about this, do it on your facebook page. I, for one, am very excited about the prospect of getting health insurance for a reasonable rate. Unlike you, I have applied, and I do have real information. It looks like our premium for a silver plan will be right about $543 for the year for my husband and myself.
Yup I have seen that example used, and I ROFL every time I see it. The first time I heard it, was good ol' Sarah Palin. You know the folks who are all about personal responsibility. I don't care if somebody smokes, heck I did for over 40 years. A smoker should know he pays mre for everything. In my state they even pay more for car insurance. There is a solution for it. not only will they save on their health insurance, the Two grand a year they save on cigarettes will go a long way towards paying their health insurance.
What most employees are figuring out for the very first time is how expensive health insurance is. My wife is dropping hrr employee coversge for her company and is contributing towards individual plans instead. She actually had if you can believe this employees who believed their hundred or two dollar contribution actually paid fo their health insurance lol.
Some of the posts were teetering on the edge of political, but as they had some educational value, I let them go. The n they fell off that edge. Politics has little place here. Nor does the childish notion of having the last word.
The take away here is that evrn with a private policy purchased throught the exchange and receiving a tax credit, one can still use the assistance programs offered by the drug companies.
If there are other questions, there are several of us who have navigated through this an can help.
Here are some real numbers for anyone interested. Our household income is well over 35k a year. Obviously, we don’t qualify for a subsidy. My premiums as a SMOKER will be 3900 a year. This is for a platinum plan through CareFirst. I have this in writing: the terms of my plan, my first statement, etc…
I know some states have had problems with their exchanges, and that there have definitely been problems with the healthcare.gov site, but encourage every one to keep trying. I have heard the same thing that Lamb is saying-that if your scrap the account and try again- well, it has worked for getting set up. It’s worth a try.
Congratulations, that sounds fantastic. According to my calculations, that is $325 per month. Believe me when I say, I know how very lucky I am that I don’t have to go there at this time, but I am trying to keep informed in case the need ever arises for me. I know it has helped some close to me as well. Thanks for sharing.
GrumpyCat said:
Here are some real numbers for anyone interested. Our household income is well over 35k a year. Obviously, we don’t qualify for a subsidy. My premiums as a SMOKER will be 3900 a year. This is for a platinum plan through CareFirst. I have this in writing: the terms of my plan, my first statement, etc…
I know some states have had problems with their exchanges, and that there have definitely been problems with the healthcare.gov site, but encourage every one to keep trying. I have heard the same thing that Lamb is saying-that if your scrap the account and try again- well, it has worked for getting set up. It’s worth a try.
TNTLAMB, thanks for the info on the insurance. Any of us with this disease could easily find ourselves in a position where we might need to go on disability or need assistance. I remember helping my mother-in-law try to sign up for disability when she was dying of cancer. It was ridiculous, but months after writing many letters to supervisors and re-applying, she received her first check. Unfortunately, she had already passed away. Any advise on how to navigate through the system is very helpful.
With regard to this discussion thread, I was a little taken aback by how some replies got pretty angry at the other members and were basically telling them to shut up. Health insurance has been a mess for a long time and everyone seems to have had different experiences, good and bad. The unfortunate situation in our country right now is that it has become increasingly difficult to sort through what is being put out there on the news, blogs, talk show and the internet.
I was floored when I got the quote and thought there was a problem! I was paying 500 a month for cobra, so this is wonderful.
Pain said:
Congratulations, that sounds fantastic. According to my calculations, that is $325 per month. Believe me when I say, I know how very lucky I am that I don’t have to go there at this time, but I am trying to keep informed in case the need ever arises for me. I know it has helped some close to me as well. Thanks for sharing.
GrumpyCat said:
Here are some real numbers for anyone interested. Our household income is well over 35k a year. Obviously, we don’t qualify for a subsidy. My premiums as a SMOKER will be 3900 a year. This is for a platinum plan through CareFirst. I have this in writing: the terms of my plan, my first statement, etc…
I know some states have had problems with their exchanges, and that there have definitely been problems with the healthcare.gov site, but encourage every one to keep trying. I have heard the same thing that Lamb is saying-that if your scrap the account and try again- well, it has worked for getting set up. It’s worth a try.