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Patient Balance = $0 !!!
#21
Actually, my premiums went down for 2015. I am aware that I pay the $105 per month. What problem I have is the actual deductibles and coverage and co-pays with straight medicare. I have NO deductibles on my advantage plan and the only co-pays I have is for a specialist and $5 for a visit to my primary doc. All of my medication costs me less than $3 per month for the co-pay. If there is a visit to the ER, the most it costs is $65. For my cpap supplies, I pay the standard 20%.

In my area, a lot of docs won't take medicare because it doesn't pay much so it is difficult to find docs to take care of someone if they are on straight medicare. It may be a lot different with those that qualify for medigap too but I don't.
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You better get comfortable with premiums going up they will continue to do so as the Advantage subsidy is slowly going away and you will be paying the whole premium. As far as A and B your already paying for that now your B premium just goes to your Advantage plan plus what you have to pay plus your co-pays and deductibles.
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#22
(12-14-2014, 10:47 PM)justMongo Wrote:
(12-14-2014, 07:20 PM)me50 Wrote: I am not eligible for medigap...

May I ask why not?

I am too young.
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#23
(12-21-2014, 10:16 AM)SuperSleeper Wrote: For those who end up in a low-income situation, and are forced to go onto the Medicaid side of Obamacare, please be careful. For several years now (even before Obamacare), when Medicaid pays any of your medical bills, they are required by law to recoup most all those expenses paid on your behalf by going after your estate when you die.

So, if you have a home or other assets, the government will likely place a lien on them so that they get paid first before you can will the property to your heirs. That little quirk has been an eye-opener for many children who expected to get Mom or Dad's home when they passed away. Surprise - all those Medicaid benefits you thought were "free"? They weren't free at all - your kids or heirs will be paying the entire bill out of the proceeds of your estate.

So, in a scenario where Mom owns her home outright and is living alone (without a spouse or dependent living in the home) and the property is valued at $100,000, and she has had over $100,000 in medical bills paid out by Medicaid over the years, her children will not get their "family home" when she dies - it will be sold and the proceeds will be given to the government to reimburse them for the medical payments.

http://medicaid.gov/medicaid-chip-progra...overy.html

Cool

Now that is just plain theft Sad we need a better more humane way!

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#24
(12-21-2014, 03:31 PM)DariaVader Wrote:
(12-21-2014, 10:16 AM)SuperSleeper Wrote: http://medicaid.gov/medicaid-chip-progra...overy.html

Cool

Now that is just plain theft Sad we need a better more humane way!

Well, the government sees it as "proper reimbursement", since Medicaid patients generally don't pay much into the system, or, more accurately, pay in far less than they receive in medical benefits (since they are low-income); therefore the rest of the taxpayers pay for that insurance. Medicare, on the other hand, is funded completely by recipients, and if they tried to "recover" expenses from our estates for that, that indeed would be theft, since we've already paid for this insurance.

I just wanted to give a heads-up for those who are considering applying for Medicaid under the current system - it's not a free handout, since your heirs are the ones who will be paying out of your estate proceeds.

So ultimately, neither program is a "free handout" for most people. For Medicare, you pay in with every paycheck you get to fund the system. With Medicaid, your heirs end up paying (assuming you have anything left of value to pass on to them). The only ones who are truly getting a "free handout" are those Medicaid recipients who die without assets of value.


Cool
SuperSleeper
Apnea Board Administrator
www.ApneaBoard.com


INFORMATION ON APNEA BOARD FORUMS OR ON APNEABOARD.COM SHOULD NOT BE CONSIDERED AS MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF A PHYSICIAN BEFORE SEEKING TREATMENT FOR MEDICAL CONDITIONS, INCLUDING SLEEP APNEA. INFORMATION POSTED ON THE APNEA BOARD WEB SITE AND FORUMS ARE PERSONAL OPINION ONLY AND NOT NECESSARILY A STATEMENT OF FACT.



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#25
(12-14-2014, 05:54 PM)vsheline Wrote:
(12-14-2014, 05:02 PM)Lambsydoats Wrote: I may be on Obamacare....whatever that means.
You're going to need to research "Obamacare" very quickly. I think the enrollment window for January may end tomorrow. You may need to find out how that is done in your state today, and enroll online today, or by phone tomorrow.

I went through this in Feb, if you have any number of specific "events" (such as losing health care from an employer) you have 60 days as a special enrollment period.

I can't post links because this my first, so add https:// to the beginning of this link Smile

www dot healthcare dot gov/glossary/special-enrollment-period/

The normal enrollment period ended 12/15.

I live in GA, and it's quite expensive (partly due to the fact that my wife and i are both smokers), but much cheaper than it was before. I'm now able to be a freelance contractor and before I couldn't afford the health insurance.

PM me if you have any questions about the marketplace and such.
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#26
Hi abec99, welcome to the forum!
Membership in the Advisory Member group should not be understood as in any way implying medical expertise or qualification for advising Sleep Apnea patients concerning their treatment. The Advisory Member group provides advice and suggestions to Apnea Board administrators and staff on matters concerning Apnea Board operation and administrative policies - not on matters concerning treatment for Sleep Apnea. I think it is now too late to change the name of the group but I think Voting Member group would perhaps have been a more descriptive name for the group.
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