Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#16
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MICHAEL *The Village of Richmond* |
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#17
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They're not all participating providers with the HMO, but the PPO provider list is pretty vast and diverse. The one I have is also a bronze plan. I'm paying around $150/month just for me now that hubby is on medicare. I have a $9700 out of pocket max, and 0 deductible. I have to pay $85 every time I go to a specialist's office or need lab work other than my yearly CBCs and thyroid panel, and if I need my doctor for anything other than a yearly checkup. So far I've paid around $2000 since January 1 for skin cancer treatments and surgery. The good news, is that if I get my hip replacement this year, I'll only have to pay $7000 out of pocket for the whole shebang, which normally costs $25,000 for people who have no insurance. |
#18
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I retire later this month, and our hospital's COBRA plan is $2,266/mo for the highest deductible. I can get Medicare, but my wife will be too young for Medicare for six more years. No way will I get any subsidy, so the question now shifts to ACA or market. We've found the ACA can be higher when there's no subsidy. Curious what others have found when one spouse needs pre-Medicare insurance and ACA "need tests" fail.
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#20
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ACA is the Market
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You can try obtaining health insurance from other sources but they are not regulated the same way and I would not trust them personally. Since the ACA has been enacted, we have paid very large premiums with very large deductibles. Basically we have catastrophic coverage, but the premium price is extremely high. We feel we need the coverage in case of a major accident or illness. Someone has to pay for the sicker people who cannot afford it. |
#21
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#22
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#23
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I think you would be put on Medicaid without a minimum income.
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#24
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Medicaid exists to provide health care for people who are poor, disabled, or children of poor people.
Medicare is for senior citizens, without consideration of their income. |
#25
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If your income is at a certain minimum, you don't qualify for Medicaid - but you DO qualify for subsidies on the regular health insurance market, which is the "Healthcare Marketplace" with ACA subsidies. Your subsidy, if any, will depend on your income. Up north my subsidy covered 100% of my premium, and I was able to get a really great health care plan with it. Down here, it covered all but $200 of my monthly premium, but the best plan I could find wasn't all that great. It changes every year, our income has changed every year. This year the premium was only $17/month. Until hubby went on Medicare because he turned 65. Now, not only does he have to pay HIS $170 premium out of his social security check, I have to pay $150 for the same plan I had last month for only $17. So this year, he gets a much better plan, comprehensive, with fitness center membership, a quarterly deposit into an OTC payment card, and so on. And I'm stuck with sub-par health care for almost 10x as much as we paid only a month ago. |
#26
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I have to kindly disagree. I have Florida Blue select and every one of my MD's are on it. It is a local plan which can also be used at shands. My cobra from UF health was $925/month. Got gold plan for $450. Being in healthcare for 40yrs i don't go cheap on healthcare. Medical bills can bankrupt you in a hurry. Also realize if you have a spouse, their income also counts. So you have to figure that in when you do your calculations.
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#28
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Craig FYI - respondents keep advising you of how well they like their Florida XYZ plan. Just a reminder again you cannot get a Florida plan unless you are a resident.
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#29
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health ins for under 65
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