Michael

If you are pretty young and basically healthy, I'm not sure the risk pool is the best alternative since the premium is still fairly high. When the exchanges kick in, those will be a good deal particularly if you are young and/or earn less than 400% of the poverty level no matter if you are healthy or not.

jukes

So, would i apply online or somewhere local,to where i will be? Are there people who advise if this is a better option than anything else out there etc? When i apply for medicaid for pregnancy would they know about Obamacare?

fatbrit

Premium for me here in AZ is $240. $2k deductible, 80/20, $25 co-pay, max out-of-pocket $6k. Bargain compared with non-government plans, which wouldn't cover me anyway!

lansbury

FB just seen this. Hope they manage to get you repaired as quickly as possible and with the least amount of damage to your wallet and person.

Michael

Wow, that is cheap. However it is not the A plan (probably the C plan) when the exchanges kick in which has a very low deductible, I believe a lower co-pay, and a maximum of about $2,000 out of pocket annually.

When I applied for Blue Cross/Blue Shield 10 years ago, I was denied because of fatigue but was offered a risk pool at $600 per month, $10,000 deductible, 30% co-pay, no limit on out of pocket expenses, and no prescription medications. Today the same plan would probably cost $1,200 a month for someone at age 56 with a minor preexisting condition (fatigue) where I never had bills totaling more than $2,000 in any year previously and normally less than $300.

SanDiegogirl

You say that you have never lived in the US - although you are a US citizen.

Are you eligible for Medicaid then?

fatbrit

It's utterly crazy @ $1200/month! As I've just shown, you can have a major incident and pay less than that as a non-insured.

Michael

The whole system will become total insanity if the republicans get in and repeal Obamacare. I think you should start stomping for Obama this fall.

fatbrit

That one's easy:

Plan 1: protect assets, go bankrupt.
OR
Plan 2: move to Blighty.

Michael

The easiest way to do plan 1 is to move to Florida, purchase a house with all your money, and then file bankruptcy. There has to be a very, very large amount of equity in you home in Florida before they can touch that. Why do you think OJ was living in Florida when he had multimillion dollar judgements against him?

fatbrit

Yep!

jukes

Hi,
I phoned up about Medicaid and they said i am required to show residency in that state and citizenship but no time limits on how long lived there. Also when reading eligibilty info doesn't mention time limits etc. This is for pregnancy medicaid. Hope they were right! Not same for my mum to get Medicare she needs to have lived in 5 years as not paid enough contributions over working life as moved to UK age 24.

Michael

There is normal medicaid and emergency medicaid. You may be able to qualify for normal medicaid but if you can't, apply for emergency medicaid.

http://www.211ct.org/informationlibr...20Medicaid.asp

Your mum may also possibly qualify for emergency medicaid since that does not require contributions and is not required for the sponsor to repay the costs.

Giantaxe

Even that might not be enough if, as I expect, the Supreme Court overturns the individual mandate.

jukes

Thanks Michael,
It is all so complicated! As soon as we get to US i will try to sort it out, this forum gives me a head start of what to research and consider.thanks to all.