Re: Health Care choices in Michigan
[Re: A727Tflite]
#2764572
04/16/20 11:36 AM
04/16/20 11:36 AM
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Joined: Sep 2003
Posts: 19,479 north of coder
moparx
"Butt Crack Bob"
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"Butt Crack Bob"
Joined: Sep 2003
Posts: 19,479
north of coder
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when purchasing my SS supplement plan every year, i go see a lady at the local insurance office who helps me decide what is my best choice of what is out there. it sure beats doing it on your own ! she has access to everything that's available out there, including government web site plans. it may be a good idea to check with a local agent to see what would work best for you. all you will be out is your time.
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Re: Health Care choices in Michigan
[Re: MR_P_BODY]
#2764658
04/16/20 03:17 PM
04/16/20 03:17 PM
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Joined: Oct 2007
Posts: 3,897 Oregon
hooziewhatsit
master
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master
Joined: Oct 2007
Posts: 3,897
Oregon
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If you want help paying the premium, you have to go through healthcare.gov, which only has open enrollment at the end of the year, or if you've had a "major life change". It was requested that it be opened up again with the virus and 10 million people losing their jobs and their insurance, but it was denied Otherwise, if you want to pay the entire premium, I think you can go to any health insurance provider and sign up?
If you ever find yourself in a fair fight, your tactics suck.
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Re: Health Care choices in Michigan
[Re: hooziewhatsit]
#2764727
04/16/20 06:29 PM
04/16/20 06:29 PM
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Joined: Dec 2005
Posts: 11,611 Fulton County, PA
CMcAllister
Mr. Helpful
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Mr. Helpful
Joined: Dec 2005
Posts: 11,611
Fulton County, PA
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Depending on your reported income, you may be one of many people stuck in the middle.
Being able to get help from Obamacare and the amount of that help depends on income. Make too much and they won't pitch in very much or not at all. Or the deductible will be so high, there's no sense in even participating. Working poor people can get substantial help with good policies and little out of pocket. Really poor people end up with Medicaid at the state level.
On the other side is people with jobs that provide decent insurance for little or no cost or they can afford big premiums and/or deductibles.
People stuck in the middle - small business owners, working people who aren't make 75-100k a year - have to decide if they can afford insurance. Or if they want to take their chances and not give a substantial percentage of their income to an insurance company.
Sucks. I remember when I could get catastrophic insurance for a decent premium and a deductible that was realistic.
If the results don't match the theory, change the theory.
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Re: Health Care choices in Michigan
[Re: CMcAllister]
#2764738
04/16/20 06:41 PM
04/16/20 06:41 PM
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Joined: Mar 2011
Posts: 3,087 Michigan
A727Tflite
OP
master
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OP
master
Joined: Mar 2011
Posts: 3,087
Michigan
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Thanks for the replies so far.
Yes a major life change is coming for this person so it looks like getting the insurance won’t be a problem.
Just trying to see what makes the most sense at this point.
Looks like COBRA may be real expensive at this point, so trying to go from what the person has right now and not use COBRA in the interim.
Last edited by Transman; 04/16/20 06:46 PM.
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Re: Health Care choices in Michigan
[Re: solarguy]
#2764989
04/17/20 11:18 AM
04/17/20 11:18 AM
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Joined: Oct 2007
Posts: 3,897 Oregon
hooziewhatsit
master
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master
Joined: Oct 2007
Posts: 3,897
Oregon
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plans bought on the health exchange must provide "essential benefits" and other clauses like no caps on annual/lifetime payout and all the other benefits of the ACA, (Obamacare). Plans bought on the open market do not. BIG difference between the two. Very good point. If a plan not on the exchange is "cheap", it probably doesn't cover much of anything, or has an incredibly low total payout limit. Make sure you know exactly what the details are before signing up.
If you ever find yourself in a fair fight, your tactics suck.
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Re: Health Care choices in Michigan
[Re: solarguy]
#2765001
04/17/20 11:39 AM
04/17/20 11:39 AM
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Joined: Mar 2011
Posts: 3,087 Michigan
A727Tflite
OP
master
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OP
master
Joined: Mar 2011
Posts: 3,087
Michigan
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plans bought on the health exchange must provide "essential benefits" and other clauses like no caps on annual/lifetime payout and all the other benefits of the ACA, (Obamacare). Plans bought on the open market do not. BIG difference between the two. Very good info - thanks.
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