General Discussion

Keefer

(713 posts)

38. I have 4 distinctly different heart problems.

Tue Sep 17, 2013, 11:52 AM

Sep 2013

My 2 cardiologists told me "no more work." I am receiving SSI and Medicaid right now. In December, SSDI starts, which means I lose Medicaid. SS rules are that once SSDI kicks in, I have a 2 year wait before I am eligible for Medicare. (Retroactive to May, 2013.) What am I supposed to do? $57 a month is a lot of money. Plus the deductibles for doctors, specialists, and 13 different prescriptions every month. I can't live for 2 years without medication. On top of all that, one of my cardiologists wants me to have a defibrillator implanted. What happens if it can't be done before Medicaid ends? What do I do for 2 years worth of check-ups and battery changes? This whole thing has me worried 24 hours a day, and is more than likely adding stress I don't need, with my heart the way it is.

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For millions, insurance will cost less than $100/month [View all] sinkingfeeling Sep 2013 OP

This is why they GOP hates ACA. joshcryer Sep 2013 #1

What's the deductible? leftstreet Sep 2013 #2

That's a very important question Art_from_Ark Sep 2013 #4

Silver plans cover all preventative care (but not dental) lumberjack_jeff Sep 2013 #27

So the silver plan doesn't cover the costs for dental care Art_from_Ark Sep 2013 #37

Are you talking to me? lumberjack_jeff Sep 2013 #71

The first part of my question was merely asking for confirmation Art_from_Ark Sep 2013 #127

You're right about "preventative care" - it does mean checkups and physicals. lumberjack_jeff Sep 2013 #138

Of course it covers pre-existing medical conditions (including mental health). pnwmom Sep 2013 #76

What's the deductible? n/t leftstreet Sep 2013 #42

Depends on the co-pay, which depends on the deductible. lumberjack_jeff Sep 2013 #69

Well they don't want poor people to be able to eat so they will die sooner. L0oniX Sep 2013 #45

Yeah, it'd be nice if people could get subsidized dental care too. n/t lumberjack_jeff Sep 2013 #72

It'd be nice if teeth, eyes and ears were considered the same way as a pecker in Health Care. nt adirondacker Sep 2013 #88

This is certainly better than nothing. But with today's high health care costs having to pay 13% totodeinhere Sep 2013 #93

The actuarial value is based on the community. lumberjack_jeff Sep 2013 #105

That depends on income, since there are both tax credits to lower pnwmom Sep 2013 #80

from the article PowerToThePeople Sep 2013 #3

+1 DJ13 Sep 2013 #5

$0 with NO deductible, if ya ask me. Jackpine Radical Sep 2013 #32

And how do these "tax subsidies" get applied? Hassin Bin Sober Sep 2013 #6

I've asked that question several times and have not gotten an answer. Autumn Sep 2013 #11

Actually the tax credit can be paid to the insurance company in advance: PoliticAverse Sep 2013 #77

Thanks for that . looking it up now. Autumn Sep 2013 #95

You may find this page useful as well.. PoliticAverse Sep 2013 #96

That's it. So much easier. Bookmarking this Autumn Sep 2013 #98

Thanks for the link..... llmart Sep 2013 #119

Thank you. n/t CottonBear Sep 2013 #102

No, you don't have to pay it all up front Autumn Colors Sep 2013 #94

This IRS webpage answers questions on the credit... PoliticAverse Sep 2013 #97

Hi Autumn Colors. PoliticAverse posted just what we needed. Autumn Sep 2013 #99

Hi! Autumn Colors Sep 2013 #152

More than ready, it's been a long summer. Autumn Sep 2013 #153

I want to know about the tax subsidy too. CottonBear Sep 2013 #101

It's available as a paid upfront directly to the insurance providers tax credit. PoliticAverse Sep 2013 #120

Thank you so much! n/t CottonBear Sep 2013 #145

You are so right Boudica the Lyoness Sep 2013 #9

Indeed it is. Daniel537 Sep 2013 #25

That $1436 is before taxes BuelahWitch Sep 2013 #33

How does this work in countries that have universal health care? Do lower income people not pay for cbdo2007 Sep 2013 #19

In the UK people don't 'buy' health insurance Boudica the Lyoness Sep 2013 #121

That's what I'm asking - what is the tax % people pay for the universal health care?? cbdo2007 Sep 2013 #141

They don't have $600 for rent either. lumberjack_jeff Sep 2013 #29

correct. PowerToThePeople Sep 2013 #31

It wouldn't be $57 per family member because that number is based pnwmom Sep 2013 #81

But they may still get injured or sick, and then they will be on the hook SoCalDem Sep 2013 #85

+1 uponit7771 Sep 2013 #122

The Devil is in the details. former9thward Sep 2013 #7

Clearly the ACA sucks. We just need to figure out why. JoePhilly Sep 2013 #10

It entrenches for-profit insurance companies. Duh n/t leftstreet Sep 2013 #12

Sure, it entrenched something that was already entreched. JoePhilly Sep 2013 #13

Insurance payments have always been mandated? leftstreet Sep 2013 #16

I get the sense there's lots of stuff you don't know. JoePhilly Sep 2013 #18

What's the deductible again? leftstreet Sep 2013 #20

And caps their profits at 20%, forever. tridim Sep 2013 #34

I don't think you understand the MLR leftstreet Sep 2013 #41

True, profits will be capped at a small percentage of the 20% max MLR. lumberjack_jeff Sep 2013 #107

Is there a cap on premium prices year to year? nt Mojorabbit Sep 2013 #103

No. There's a cap on profits (medical loss ratio). n/t PoliticAverse Sep 2013 #147

I was afraid that would be the answer. Thank you Mojorabbit Sep 2013 #149

It does't matter what state laws say - Ms. Toad Sep 2013 #151

Actually, it caps the amount they can spend on things other than medical services Nuclear Unicorn Sep 2013 #110

The ACA is simply rearranging the deck chairs on the Titanic. former9thward Sep 2013 #14

So when the titanic hit that iceberg, since their weren't enough life boats ... JoePhilly Sep 2013 #17

Its a perfect analogy. former9thward Sep 2013 #21

Think of Single Payer as the RMS Carpathia. JoePhilly Sep 2013 #26

The majority of people in the U.S. are right wingers? former9thward Sep 2013 #35

The majority of those who oppose the ACA are right wingers, yes. JoePhilly Sep 2013 #54

Is the AFL-CIO a right wing organization? former9thward Sep 2013 #62

I don't see why we should help sociopath heath insurance corporations. They are preditors. L0oniX Sep 2013 #44

Doing nothing is a much better plan. JoePhilly Sep 2013 #55

Single payer is the only moral plan. L0oniX Sep 2013 #65

No. It is immoral to let 45,000 die each year waiting for single payer that never comes. SunSeeker Sep 2013 #79

Bingo! Bigredhunk Sep 2013 #111

Ok then let them pay to stay alive because that is moral. n/t L0oniX Sep 2013 #114

Medicare will be expanded to cover those who can't pay. But you will always find something to hate. SunSeeker Sep 2013 #118

Being overly optimistic is your thing ...I'll count my chickens after they are hatched. n/t L0oniX Sep 2013 #128

I think you mean Medicaid area51 Sep 2013 #131

It's more like having paid to reserve a spot in a lifeboat Cal Carpenter Sep 2013 #23

Exactly. Daniel537 Sep 2013 #28

I agree, but unfortunately there just isn't the will among the D.C. elite to do this right now. Daniel537 Sep 2013 #22

ACA was designed to keep Single payer from happening. RC Sep 2013 #106

I am on board with single payer too. n/t PowerToThePeople Sep 2013 #24

The ACA is the best chance we have now TOWARD single payer, pnwmom Sep 2013 #86

I am in favor of states moving forward on the issue. former9thward Sep 2013 #87

If the ACA FAILS we can be sure single payer won't be allowed to proceed anywhere. pnwmom Sep 2013 #89

we should just trash the whole thing. Whisp Sep 2013 #15

Why don't you try and address Le Taz Hot Sep 2013 #48

oh, The Concerns.... Whisp Sep 2013 #50

Wow! Le Taz Hot Sep 2013 #51

They won't have 'concerns' until they lose their good coverage leftstreet Sep 2013 #53

2014 is the year "Obamacare" comes into affect Le Taz Hot Sep 2013 #59

2018 for the excise tax on good employer plans leftstreet Sep 2013 #60

older people making over 400% FPL really get nailed. I've tried to explain this over and over. antigop Sep 2013 #117

If my math is correct, 400% over FPL is $69,000 +. At that pay level, most people Hestia Sep 2013 #142

A ton of self employed people might fit into that box. Mojorabbit Sep 2013 #150

I work with someone making $17k a year. lumberjack_jeff Sep 2013 #30

If she had a stroke any emergency room is required to take her without insurance. former9thward Sep 2013 #36

Emergency rooms charge more than an insured person Stargazer99 Sep 2013 #56

The emergency room isn't the issue. The issue is primary care so they can observe. lumberjack_jeff Sep 2013 #67

I hope the ACA does well for her. former9thward Sep 2013 #70

It can't be worse than being uninsured. n/t lumberjack_jeff Sep 2013 #73

Yes, that's a much better system tabasco Sep 2013 #78

But they will still bill you afterwards, and charge you MORE than if you had insurance.n/t pnwmom Sep 2013 #82

Don't pay the bill. former9thward Sep 2013 #90

No, not easy to win. You would need to pay for an attorney. pnwmom Sep 2013 #91

Earning 17k in NYC is not the same as 17k in Holland Mi. L0oniX Sep 2013 #43

Sure it is. lumberjack_jeff Sep 2013 #68

Good point also... uponit7771 Sep 2013 #123

If she's from MI... roamer65 Sep 2013 #126

Message auto-removed Name removed Sep 2013 #115

You seem really angry maddezmom Sep 2013 #116

Money they don't have Precisely Sep 2013 #8

I have 4 distinctly different heart problems. Keefer Sep 2013 #38

It the Republican plan to make the general public ignorant Stargazer99 Sep 2013 #58

I look forward to switching ileus Sep 2013 #39

So does that cover "everything"? No co-pays? No drug costs? It may be tough enough... L0oniX Sep 2013 #40

That depends on income -- there are subsidies based on income that lower out-of-pocket costs too. pnwmom Sep 2013 #83

Just checked my silver plan lancer78 Sep 2013 #46

What's the deductible? leftstreet Sep 2013 #47

It is $2,250 n/t lancer78 Sep 2013 #49

HOLY SHIT !! leftstreet Sep 2013 #52

Sorry. lancer78 Sep 2013 #64

That low max out-of-pocket is a big deal. If you need expensive care, it is not likely to be denied Hoyt Sep 2013 #75

My daughter had a trip to the emergency room for a broken finger tip pnwmom Sep 2013 #84

Basic ACA Resource Guide Zorra Sep 2013 #57

This message was self-deleted by its author roamer65 Sep 2013 #124

Question about the subsidy. NCTraveler Sep 2013 #61

PoliticAverse gave me this link up thread Autumn Sep 2013 #100

Thank you for sharing that. NCTraveler Sep 2013 #109

I would ask everyone to use Wendell Potter's site. Not only do I think he's an Liberal_Stalwart71 Sep 2013 #63

Potter does some good things nowadays, but, fact is, he got rich screwing people. Hoyt Sep 2013 #74

Yes, he got rich screwing people, but like David Brock, he has more than made up Liberal_Stalwart71 Sep 2013 #92

Right Wing Posers Get off this board! dem in texas Sep 2013 #66

Buf if employee's costs paid by employer, no subsidies available for spouse and children JPZenger Sep 2013 #104

Well, maybe my Medicare payments will be reduced. RebelOne Sep 2013 #108

kick the hell out of this SCantiGOP Sep 2013 #112

At one point a typical middle class family of four heath care plan cost around $1,200 a month. Spitfire of ATJ Sep 2013 #113

Good news for those in MI roamer65 Sep 2013 #125

What a blessing for so many. Thanks, sinkingfeeling. freshwest Sep 2013 #129

Will 2012 incomes be used to determine subsidy? KennedyBrothers Sep 2013 #130

It's not so cheap for a couple who want to retire at age 62. B Calm Sep 2013 #132

Shame the Minimum wage couldn't be raised to cover this n2doc Sep 2013 #133

seems unfair santroy79 Sep 2013 #134

You do, or you will as soon as the exchanges are set up BainsBane Sep 2013 #135

Ins I have meets it already santroy79 Sep 2013 #136

For millions making 150% poverty, $57 mo is unaffordable bread_and_roses Sep 2013 #137

When you are making 17 grand a year, any amount whether it is 100 or 57 a month is a lot of money .. MindMover Sep 2013 #139

Please note: income is ADJUSTED gross income OKNancy Sep 2013 #140

spouse came home yesterday LittleGirl Sep 2013 #143

K & R Scurrilous Sep 2013 #144

That's still 640 million a month! Public Option Now grahamhgreen Sep 2013 #146

my medicare is around 100 a month madrchsod Sep 2013 #148