Viola....if you're not working and your hubby is only on disability, how can you be making too much $$ to qualify for Medicaid. Have you checked out the sight SixofNine posted?
If you are self employed in the USA, do you have health insurance?
by Iamallcool 50 Replies latest jw friends
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Violia
You bet I still have something to offer. I am and never was a deadbeat. There are a number of Republicans like me who are wavering. We don't see anyone to vote for. Most of us at this point are saying " anyone but Obama" ( like Jimmy carter, just get him out of office, anyone can do a better Job. i don't know anymore but my vote will hinge on health care. Lets see what they do.
I think might be Jesus ( ) anyway he said he was.
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SixofNine
Hubby won't qualify for any kind of state insurance until he is without insurance for 6 months. The state high risk pool are as high or more than cobra .They state on the site they are not low cost.
I have it wrong that you are in Texas then?
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Violia
yes six, we are. as I said the social worker went over the options and it is sort of grim for us. cobra is very high and the state high risk pool is higher ( and for whatever reason he does not even qualify for that right now). She did say she could sell him a policy after he was without in insurance for 6 months.
I wish we could do the cobra but our income is too high for Medicaid and too low to pay the cobra.
If you follow the links on the link you provided you will find there are many exceptions, exclusions and all that.
I am disabled and between our two checks we make too much for any real help (Medicaid.) That is a huge problem that I wish could be fixed. They need to up the income so folks like us who make just a little too much would be able to qualify. I have Medicare a/b but that has no drug coverage and there is the 20% gap that Medicare does not pay. (If any have Medicare part D they know it is a joke.) He would have to take cobra to keep insurance as he is not 65. However, the SW did say that after 6 months of no coverage he can get a policy.
this is the way it is for lots of folks, too much for Medicaid and not enough money to afford the cobra etc.
The sw is trying to help me get my meds though the needymeds type orgs right now. There are so many restrictions on the sites that say they provide free or low cost help. We will find a way, we have made it through worse than this.
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NewChapter
V. I am going to send you a pm.
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NewChapter
V. You have another pm.
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Violia
Got your pm.
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darthfader
I am self employed, about 5 years ago when I started my policy, my monthly insurance premium was about $440. Which this last incease, my current premium is $991. My premium has doubled in less than 5 years. My Wife an I go to the doctor annually, take some minor generic medicines and are relatively good health for mid 40s and lots of work stresses. Each time we get our annual review for Insurance Premiums, the letter says if not our risk factors, but the general cost of health care. I have a hard time beleiving that health care costs have doubled in the mast 5 years...
cheers
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SixofNine
Viola, you can get into pre-existing condition insurance immediately (ooops.. on edit I see that you do have to be w/o insurance for six months before the following is available). There have been a few changes during the past year: (you don't actually have to show that you have been turned down, you just have to have a pre-existing condition) (price was greatly reduced).
It's not cheap, but I'm pretty sure it's considerably less than Cobra. Here is a for-instance (off of Healthcare.gov) :
Pre-Existing Condition Insurance Plan: Texas
Eligible residents of Texas can apply for coverage through the Pre-Existing Condition Insurance Plan program run by the U.S. Department of Health and Human Services.
To qualify for coverage:
- You must be a United States citizen or reside here legally.
- You must be without health coverage for at least the last six months before you apply.
- You must have a pre-existing condition or have been denied coverage because of your health condition.
PCIP covers a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, even if it’s to treat a preexisting condition.
The monthly premiums for your state are:
Age Standard Option Extended Option HSA Option 0 to 18 $133 $179 $138 19 to 34 $199 $268 $207 35 to 44 $239 $323 $248 45 to 54 $306 $412 $318 55+ $426 $572 $442 View a Summary of Benefits for the Standard, Extended, and HSA plans. (PDF – 810 KB)
In addition to your monthly premium, you will pay other costs. In 2012, you will pay a $1,000 to $3,000 deductible, which varies by your plan option, for covered medical benefits (except for preventive services) before the plan starts to pay. A plan option may have a separate drug deductible. After you pay the deductible, you will pay a $25 copayment for doctor visits, $4 to $40 for most prescription drugs, and 20% of the costs of any other covered benefits you get. Your combined out-of-pocket costs for in-network and out-of-network covered services cannot be more than $7,000 per year. The maximum is even less if you use only in-network providers.
Apply for Coverage in Your State
To learn more about the PCIP in your state, visit https://www.pcip.gov/StatePlans.html.
To apply visit: https://www.pcip.gov/Apply.html.
For PCIP questions or customer service visit: https://pcip.gov/ContactUs.html or call 1-866-717-5826 (TTY: 1-866-561-1604). -