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11-20-2016, 09:58 AM
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Please there is nothing "crappy" about Medicare!
I will bet it is FAR better insurance that what you have now..... The rules are what they are and have been for decades... Maybe a call to SS or Medicare can clear up your misconceptions and get some good hard answers? There are usually groups at a local senior center that can help explain or even help you through this process....please check And remember a health plan is not the same as a drug plan.....You have some option and not being forced for all coverage... I use a supplemental insurance for the other 20% of Medicare, and for eye and dental.... I am lucky as my union covers just about all my meds and very little out of pocket. If the government was making money off Medicare, we wouldnt be having problems funding SS and Medicare...You may want to start reading up on it and keep away from the misinformation on TV? (There is no such thing as a free market, that term was invented) |
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| "Thanks for this!" says: | canifindagooddr (11-20-2016) |
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11-20-2016, 11:58 AM
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11-21-2016, 09:20 AM
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Yes I completely think Medicare is better than what you have....You are not comparing the same thing is what it sounds like...
I will assume (which I shouldn't) is that you have an employer based insurance plan? If that is the case the employer is supplementing your great benefits. I do not know a single person paying $30 a month for any insurance unless its employer subsidized.... No copay's with Medicare.....Its 80-20....plain and simple. Insurance company's are out to make money off you for profit, Medicare is a very low overhead form of insurance when you qualify. There is alot to learn, and we may be getting even more cuts to SS and Medicare if Paul Ryan gets his way? (vouchers)Who knows? |
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11-21-2016, 11:22 AM
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I will assume (which I shouldn't) is that you have an employer based insurance plan?
*** I do not have an employer based insurance plan. This is my second year of not teaching school since I had to stop work due to disability. I obtained no Cobra. I finished what I could with the school year and since then, I have been getting insurance from BCBS via the marketplace.gov If that is the case the employer is supplementing your great benefits. *** See above. No employer for what will be three years come Aug 2017. I do not know a single person paying $30 a month for any insurance unless its employer subsidized.... *** I made my first premium payment for the new plan which is to take place Jan 1, 2017 (see below a copy/paste just now from my bank). Same plan and cost I had last year via the marketplace. Meet $500 deductible then everything else cost ZERO. Debit Credit Balance 11/21/2016 DC-BCBSKS EXCHANGE L (31.82) No copay's with Medicare.....Its 80-20....plain and simple. ^^^ I pay a 500 deductible then it is ZERO on everything. . . plain and simpler! Thank you for helping. Dean Insurance company's are out to make money off you for profit, Medicare is a very low overhead form of insurance when you qualify. There is alot to learn, and we may be getting even more cuts to SS and Medicare if Paul Ryan gets his way? (vouchers)Who knows?[/QUOTE] |
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11-25-2016, 07:47 AM
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what is Marketplace? Is it a website ?
__________________
Remember That Life Is Short!!!" break the rules, Forgive quickly, Love truly, laugh uncontrolably, And never regret anything that made you smile |
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11-25-2016, 08:44 AM
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11-25-2016, 11:28 AM
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Get 2 17 health coverage. Health Insurance Marketplace | HealthCare.gov O-BOMB-A healthcare plan/system fill out an online app, decide how much of a tax credit you want to use toward your monthly premium (assuming you get one -tax credit, that is), pick one of the many plans that will show up after you have completed the app. Different bennies, different costs, different healthcare carriers. With the help of a Navigator (free to you the consumer, Navs help people fill out the online app and choose a plan - they are paid by the gov't and therefore have no biasesness toward the plan that you ultimately pick) I was done in 30 minutes. I picked BC/BS again. I already paid my first month's premium (online) for the year of 2017. It was a whooping (sic) 34 bucks. I'm sure going to miss it when I am paying at least 200 a month for the Medicare insurance they (gov't) will force me to take. |
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