Originally Posted by rsmurano (Post 2458687)

I don’t think any supplement plan has to accept anybody if your advantage plan goes south and they shouldn’t. Everybody knew when you started Medicare, if you don’t go with a supplement plan initially, you have a slim chance of converting to 1 later on in life. If you have any medical issues in the last 2 years, these supplement plans will not accept you.

So if your advantage plan goes south, or they eliminate all the freebies or raise your prices, you shouldn’t get a free pass into a supplement plan, you shouldn’t go thru their normal underwriting procedures to see if you qualify.
Not all advantage plans are going south, so you still can get an advantage plan but probably without the freebies.

Also, plan f participants pay more that plan g clients because there are many more plan g clients to spread out the costs. A friend my age pays over 2x more for his plan f the Han I pay for plan g.

Originally Posted by rsmurano (Post 2458687)

I don’t think any supplement plan has to accept anybody if your advantage plan goes south and they shouldn’t. Everybody knew when you started Medicare, if you don’t go with a supplement plan initially, you have a slim chance of converting to 1 later on in life. If you have any medical issues in the last 2 years, these supplement plans will not accept you.

So if your advantage plan goes south, or they eliminate all the freebies or raise your prices, you shouldn’t get a free pass into a supplement plan, you shouldn’t go thru their normal underwriting procedures to see if you qualify.
Not all advantage plans are going south, so you still can get an advantage plan but probably without the freebies.

Also, plan f participants pay more that plan g clients because there are many more plan g clients to spread out the costs. A friend my age pays over 2x more for his plan f the Han I pay for plan g.

Originally Posted by Mrprez (Post 2458701)

Those are the rules. Live with it.

Originally Posted by Normal (Post 2458670)

We are going with a supplemental because United Healthcare doesn’t honor Medicare Advantage.

Originally Posted by Cliff Fr (Post 2458827)

Millions of new people added to the free health care rolls added over the previous 4 years has had a negative impact

Originally Posted by Dr.Butler (Post 2458851)

Please explain. Free health care? Who in this country (Besides the military and they do pay in other ways) gets free healthcare?

Originally Posted by tophcfa (Post 2458853)

It’s available through Obamacare and Medicaid for people who fall below certain income thresholds. But technically it’s not free, the people who get it for free are being subsidized by those who pay.

Originally Posted by tophcfa (Post 2458853)

It’s available through Obamacare and Medicaid for people who fall below certain income thresholds. But technically it’s not free, the people who get it for free are being subsidized by those who pay.

Originally Posted by kingofbeer (Post 2458433)

Why are you trying to scare us?

Originally Posted by Dr.Butler (Post 2458875)

So here is what I see is right in your statement:
Medicaid: Correct that low-income individuals can qualify for free or very low-cost coverage. (Keep in mind in 2027 there will no longer be Medicaid)

Subsidies: Also correct that “free” coverage isn’t truly free; costs are covered by taxpayer funding.
Here is what needs correction:

Obamacare (ACA) ≠ Free Healthcare

• The Affordable Care Act (ACA) provides marketplace health insurance.
  
  Premiums can be reduced via tax credits if your income is below a certain level.
  
  Only a small subset of people, typically those with very low incomes, might qualify for $0 monthly premiums.
  
  Most people still pay something for deductibles, copays, or prescriptions.

Other Groups Get Free or Nearly Free Healthcare

• Children in Low-Income Families → Covered under CHIP.
  
  Native Americans & Alaska Natives → Free services via the Indian Health Service (IHS).
  
  Emergency Care → Hospitals must stabilize anyone regardless of ability to pay under EMTALA (but bills often follow).
  
  Community Clinics & Federally Qualified Health Centers → Free or sliding-scale services for uninsured individuals.

Originally Posted by Road-Runner (Post 2459106)

The Obamacare law significantly expanded Medicaid in those states dumb enough to take the temporary (five years?) additional Federal funding. After that period the extra costs were totally the states to cover. Florida was one of the many states that said "No thanks" and we should be very glad they did.

Originally Posted by ROCKETMAN (Post 2458681)

So I guess the $1000.00 free golf between the two of us and the $120.00 over the counter between the two of us will be a thing of the past?

Originally Posted by Road-Runner (Post 2459106)

The Obamacare law significantly expanded Medicaid in those states dumb enough to take the temporary (five years?) additional Federal funding. After that period the extra costs were totally the states to cover. Florida was one of the many states that said "No thanks" and we should be very glad they did.