What no one is truly talking about in regard to the Health Care Law........ [View all]
What I understand will be available in the Health Care Exchanges are Bronze, Silver & one higher plan. The Bronze will cover 60%% of health care costs, Bronze 70%(?) and the last I assume will cover 80% of health care costs.
What I'm not hearing is how someone is supposed to come up with the 40, 30 or 20% of health care costs. One catastrophic injury or illness can send someone into bankruptcy. Even having to pay 40% of prescription costs can be unrealistic for some people.
I'm not working, so my projected income for 2014 is $0. I've tried applying for Medicaid, but since my 83 year old mother lives with me, they include her income as "family" income, and I own my home, I've been denied coverage. My state is not expanding Medicaid, I still wouldn't be eligible. So I will have to go to the exchange. I've done the projections and my Bronze plan on the exchange would be $1156 per year, which I don't have. Even if I could pay for it, I would be stuck with paying 40% of health care costs, which is unthinkable.
I want what my 83 year old mother has, Medicare. She actually has a Medicare Advantage Plan. The highest out of pocket expense she could have on this plan is $250, which is for a hospital stay.
The Insurance Companies still have control, people will still be in Bankruptcy Court and will not seek out medical care.
I want what my 83 year old mother has MEDICARE.
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