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Anyone else stressing out about how they are going to afford health insurance? - Page 2

post #21 of 57

Funny I ran into this post because I have to re-apply for Medicaid this week and luckily my son will have it automatically because he gets SSI. I think that my 2 year old will continue to have it and it looks like my income is too much. I will submit my hospital bills to show that I can't afford to be without insurance I hope I can continue. I called Blue Cross Blue Shield and they said that the cheapest plan they have is $132.50 a month for me. I guess I will go with them push comes to shove.

post #22 of 57

Good luck, icemommy! It's tough because the $132.50 plan will likely cost you more in the end by not covering prescriptions or a high deductible or 80/20 coverage or... I wish we could just have a sane health insurance system!

post #23 of 57
Thread Starter 

Updating.  Our state's phone center opens September 1st.  I am increasingly optimistic about qualifying for Medicaid, but I'm not sure how our rental figures into this.  A strange economy when a family at the 85th percentile (just a little below the poverty line for a family of four) has two houses, one with rental income.  Strange, strange, strange.  Anyway, enrollment opens October 1st.  My panic is turning into impatience and optimism, thankfully.

 

How is everyone else doing?  I know not everyone who contributed to this thread is going to qualify for assistance.

 

Ragana, yes there are insurance brokers who can help you choose the best plans, though I'm not sure what their position will be like with this new system. They get paid "finder's fees" from the insurance companies, so at least when I talked to one 2 years ago, the help would be free for me.  I know this seems like a conflict of interest, but I think that reasonable people can decipher the information they are given about different plans.  I believe most of their clientele are business owners.  Otherwise, your state is required to set up a health exchange that should make it easier to figure those things out.  Try searching for the health insurance exchange for your state and see when their operations are ready for more detailed questions.

post #24 of 57

We get state insurance and I get massive panic every 6 months when its time to re-qualify.  There is no way I can afford a aprivate plan and when I tried to get full time employment there was no way I could afford the employers plan etiher (premium, deductible and co-pays etc.. approx cost for me and kiddo was 10k out of pocket, not good).   ITs a sad day when Im further ahead to work part time and stay on state benefits.

post #25 of 57

Will Medicaid change for adults when this happens?  Here woman can only get family planning..Unless your pregnant...Then you get full medicaid...does this qualify under the new plan?

post #26 of 57
Thread Starter 

Yes, Medicaid will change.  Normally adults like me cannot qualify for Medicaid, even though our kids do.  Now, I should be able to qualify for at least some funding.

post #27 of 57

I am for socialized healthcare such as they have in Canada and Europe. I am disgusted by what is happening here in CA. The proposed insurance is awful and the ONLY benefit is that there are no pre-existing limitations. Aside from that, the "new affordable" plans are NOT, in fact, they are the same if not more expensive that the private plans people can currently get (when I was self employed I had a private plan from Blue Cross, pretty basic but affordable). A single persion making a whopping 23k a year would have to pay about 120 a month, which would be sorta okay if the copays and deductibles weren't high. Need to go to urgent care for a sinus infection? 80.00, never mind that most urgent cares charge 40-80 for cash patients. And check out the other affordable copays. http://www.coveredca.com/PDFs/English/CoveredCA_HealthPlanBenefitsSummary.pdf

 

Currently I have great insurance through work, but could not afford to add dh as it would be over 800/month. I was excited about him getting "affordable" care, but when I ran the calculator, it will be almost 300/month for that crappy plan, and we cannot afford that. Now, if I want to add myself and my ds to the plan, it drops to 316. But I don't want that insurance as mine has extremely low copays and is free for me. 

 

It makes more sense for me to get a lower paying job so that we qualify for a minimal premium, crazy. I'm already looking at going back to government employment for the better benefits, even though my current job pays better.

post #28 of 57

I don't know about the insurance been looking around but I might just take the hit on my tax return for not having insurance. The cheapest insurance here is blue cross blue sheild at about 167/m I really can't afford that. My son qualifies for Medicaid so he is covered. but it doesn't matter how much I earn here i'm over the age limit for woman to get coverage in this state they give woman coverage til they are 42 I think after that they just think you don't need it.

post #29 of 57

Our city has recently posted the insurance companies and costs that will appear on the exchange in October.

Im in central NY and I had heard that most states will see an increase in cost, but not in NY as it was/is ridiculously high for private insurance. At the highest and before I dropped it, i was paying 1300 / mth (in 2010) for one person (family was 3600/mth). for private insurance full package (there were limited options and companies to choose from).  The same company (excellus) is listed @ 500 ish for the silver plan. Still high but half the cost that it used to be.  There is a new coop (Freelancers from NY city) that has been accepted to sell insurance in my city @ 260 for the silver plan. Im waiting it out to see if I get insurance or not. (My kids are covered under CHP but I wonder if the rules will change for that,)

post #30 of 57
Thread Starter 
Quote:
Originally Posted by pollyanna02 View Post

 The cheapest insurance here is blue cross blue sheild at about 167/m I really can't afford that. My son qualifies for Medicaid so he is covered. but it doesn't matter how much I earn here i'm over the age limit for woman to get coverage in this state they give woman coverage til they are 42 I think after that they just think you don't need it.

If your son qualifies for Medicaid, it is likely you should qualify as well under the new plan. 

 

???  I don't really know the details.

 

Anyhow, Medicaid is being expanded to include adults.

 

 

 

Quote:
At the highest and before I dropped it, i was paying 1300 / mth (in 2010) for one person (family was 3600/mth). for private insurance full package (there were limited options and companies to choose from). 

Sunrise, that is insane.  We are a self-employed family, and we don't even make that much per month.

post #31 of 57

texas has decided not to expand the Medicaid.so I think I will wait it out and see what happens next yr

post #32 of 57
post #33 of 57

I don't know anything about the medicaid expansion as I haven't heard anything in my state yet...But a friend did just pass this site to me to get health insurance it seems cheaper than you would if you went thru insurance places themselves...When I got a quote from my insurance company it was through the roof insane for what you actually got but more than 1/2 less thru this site for the same coverage...Wonder why they can do that...Not fair at all to people to charge more just because you can...

 

ensurance.org

 

 

I found a plan that will work for me and little bit for under $100 a month that I plan on purchasing at income tax time for the year...all well care is covered 100% plus you get so many visits a year with a copay..Your deductible can be higher and copays for precriptions can go up to $40 but with the $4-10 walmart plan I hope to ride around that...

 

Hope this will work for us until I go full time and can get benifits through my employer....

post #34 of 57
We are paying $1200/month of our $3000/month income in premiums for employer sponsored insurance. That's for three of us. It sucks, however, I have thyroid cancer and our son is only 10 months. So insurance is a necessity. We make too much to qualify for any kind of aid in Texas. It's incredibly stressful.
post #35 of 57

I'm not particularly worried.  We are currently on Tricare Prime and hope to be able to channel money into playing for Tricare Reserve when my husband's orders are up.  It seems the most reasonable and affordable for us.  We do qualify for Medicaid.  I'm more worried about upcoming years.

post #36 of 57

I have great hopes for CA. I was laid off this week and COBRA is around $1700/month for our family. I was paying over $700/month plus the endless copays and 20%s while employed for a very good plan. We don't have any particular health needs other than three kids and a totally unwillingness not to carry excellent insurance. Any of the available plans will be much cheaper than private market insurance. 

 

Has anyone seen what kind of income qualifies as "income"? Unemployment insurance? Unearned income?

post #37 of 57
Thread Starter 

That's the big question for us, Judi, and you've reminded me that our call centers are open.  Differences in counting income is what led us to being kicked off subsidized health, but able to retain Medicaid for my daughters.  The WA basic health plan counted inheritance, DSHS strictly counted earnings. 

 

So, I'm going to be interested how this is going to work.  We have a rental house we were unable to sell when we moved to our long-time property.  We are self-employed, so our gross income is much larger than our net income.  I'm guessing it will be based off what your taxable income ends up being--that is my hope, and it's time to find out.  The lead-up information has been less than informative for the average person.

 

Our WA call centers are supposed to be open now, how about CA and other states?

post #38 of 57

no call centers open for here til oct. hoping to find a plan that will not be too much.

post #39 of 57
Washington State call centers and website will not open until Oct. 1http://www.wahbexchange.org/
post #40 of 57
Thread Starter 
Quote:
Originally Posted by mum4boys View Post

Washington State call centers and website will not open until Oct. 1http://www.wahbexchange.org/

 

Further down the same page in your link it states that call centers open Sept. 3rd.  Enrollment begins Oct.1.  I still haven't called.  Need to..  Thanks for posting the link.

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