Health insurance confusion
#31
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Re: Health insurance confusion
#32
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Re: Health insurance confusion
If you must know, I have been here almost years. NJ requires 5 years before eligible for NJ Family Care. But I've not been here for all of the six years because I had health insurance through work but it didn't cover me for what I needed when I got really sick and I had to return to the UK for a year to get treatment (even privately in the UK that treatment was 25% of the US costs). Hence, no, I haven't a bloody clue how the health system works here, but I'm fully aware of how it doesn't work!
#33
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Re: Health insurance confusion
To get back to your original question, if you want to get health cover for your wife, (and your work insurance is going to be too expensive) then you should be looking at the plans your State offers under the Affordable Care Act.
With low income you might be able to get subsidies to pay for the premiums.
With low income you might be able to get subsidies to pay for the premiums.
#34
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Re: Health insurance confusion
NY and CA allow medicaid to new immigrants.
#36
Re: Health insurance confusion
Thanks, Pulaski, for all the suggestions. I suppose it goes to show how effective the NHS is, compared to a system designed for profit over healthcare. The alternative to the "all you can eat buffet" approach seems to be a "menu", with each option leading to another "menu"...all of which is written in another language, and referring to our hunger way into the future. Seems to be asking the customer to rely on a crystal ball. We don't know which disease is going to come after us. We don't know what's going to happen. It's like buying a lottery ticket. What good is an insurance policy, such as one I just looked at, that covers a whole range of things but which doesn't pay for an ambulance or "facility fee" (hospital room)?
The whole health insurance system in the US just seems sick to me.
The whole health insurance system in the US just seems sick to me.
#37
Re: Health insurance confusion
Buried in the Affordable Care Act was an assumption that all states would "extend" Medicaid, to cover those unable to afford ACA insurance. In practice a number of states, being most, but not all, of those run by Republican administrations, took a view that extending Medicaid was too expensive, notably because the Federal subsidy for extending Medicaid would decline significantly after several years, which will require substantial state tax increases to meet the funding gap.
#38
Re: Health insurance confusion
Buried in the Affordable Care Act was an assumption that all states would "extend" Medicaid, to cover those unable to afford ACA insurance. In practice a number of states, being most, but not all, of those run by Republican administrations, took a view that extending Medicaid was too expensive, notably because the Federal subsidy for extending Medicaid would decline significantly after several years, which will require substantial state tax increases to meet the funding gap.
#39
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Re: Health insurance confusion
Buried in the Affordable Care Act was an assumption that all states would "extend" Medicaid, to cover those unable to afford ACA insurance. In practice a number of states, being most, but not all, of those run by Republican administrations, took a view that extending Medicaid was too expensive, notably because the Federal subsidy for extending Medicaid would decline significantly after several years, which will require substantial state tax increases to meet the funding gap.
#40
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Re: Health insurance confusion
Buried in the Affordable Care Act was an assumption that all states would "extend" Medicaid, to cover those unable to afford ACA insurance. In practice a number of states, being most, but not all, of those run by Republican administrations, took a view that extending Medicaid was too expensive, notably because the Federal subsidy for extending Medicaid would decline significantly after several years, which will require substantial state tax increases to meet the funding gap.
https://www.kff.org/medicaid/issue-b...teractive-map/
#41
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Re: Health insurance confusion
I'd say the country that spends 18% of GDP on healthcare whilst leaving tens of millions uninsured is the one that is more unsustainable. And the pandemic has shown just what a nutty idea tying health insurance to employment is.
#42
Re: Health insurance confusion
You have to remember, healthcare is a huge job creation scheme in the US. Many thousands of people would lose their jobs if a single payer system was adopted.
#43
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Re: Health insurance confusion
#44
Re: Health insurance confusion
Probably true, but many countries have an expensive, inefficient civil service. What's the difference? One come out of taxes, one comes out of necessity to stay alive and healthy.
#45
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Re: Health insurance confusion
There’s no necessity to spend 18% of GDP on healthcare, exclude millions from effective access and end up with a system that ranks poorly compared to many other western nations.