Affordable care act

The affordable care act is honestly the biggest joke there has ever been for insurance.

I do not qualify for medicare because I am to young I know I am not the only one stuck in this gap for health insurance.

The paperwork on ACA will let you know if you qualify for $400 – $800.00 a month in assistance for health insurance.

First of all has anyone ever paid $800 a month for insurance?

That’s not your part this is the part the government will pay towards your part. You will have to pay another $250.00 – $300.00 depending on the coverage you pick and if you want to use this discount you can ONLY pick a silver plan which are more expensive.

The plan I am currently looking at will cost us $275.00 a month.

Your insurance could be costing $1050.00 a month with your part and the governments part. REALLY!

Think about it long and hard before you retire from your job with good health insurance.

This year I was forced to do cash pay for a lot of my testing and even doing that it was less than one months insurance premium under the ACA.

Work related insurance can not discriminate against you for preexisting conditions. ACA plans can not hold preexisting conditions against you.

All private insurance can and will not pay for preexisting conditions but I bet its cheaper monthly than ACA plans.

This is not something people 60 and over should have to worry about. Maybe we need to lower the age of Medicare to 60.

Someone find a solution to our healthcare crisis and do not let them discriminate about pre-existing conditions. Most people take a medication for something.

Medical Insurance vs Cash Pay

I needed to get an MRI and I have not met the deductible of my new insurance.

My cost was going to be $3300.00 needless to say I canceled the appointment.

Our daughter Jeanelle told me to call back and get the cash price.

It will be $394.00 for the MRI and Approx: $95.00 for the radiologist to read it. Less than $500.00 this is so crazy.

I called back and made a new appointment and it is one day before the other one was.      I will be paying cash and smiling that I saved a bunch of money in the process.

MRIs and I do not get along so this time we are trying Diazepam 30 minutes before and another at the time of the test if I need it, nighttime sleep mask, and earplugs. Hopefully, I can get through it.

I am normally not claustrophobic but there is something about the MRI that really bothers me. I think it is the combination of the tunnel and the noise.

 

 

 

Navigating Health Insurance

Has anyone been through the nightmare of having to find insurance on your own and you are not eligible for medicare yet?

My husband is retiring in 7 weeks and I have to find my insurance. His will be easy enough but I am younger than he is.

The first time I checked on this early last year I made the MISTAKE of giving the online form my phone number. I kid you not by the time I pushed enter my phone started ringing and I was getting 40 – 50 calls a day.

Now all those calls are blocked one by one I got rid of them.

I have a friend who suggested Humana insurance. Does anyone else have any suggestions?

What I would like is low monthly payments low deductable and prescription care coverage.

Please no Salespeople!

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