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Re: AARP and health insurance for members under age 65????

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Message 21 of 38

Valid points, but this does not address the fact that even normal, healthy individuals aged 50-64 have to pay extreme premiums and deductibles because we don't have the benefit of a group. AARP could provide such a group for us to join. Even if it helped lower our premiums and deductibles by a fraction, that would help.

 

Please do something about this. AARP is supposed to be our organization too. It's not just for people over 65. We're hurting out here!

 

Thank you,

 

Ellen

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Re: AARP and health insurance for members under age 65????

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Message 22 of 38

@c721357s

Getting a little older does NOT change the outcome of chronic conditions which took years in the making -  CDC.goc - Older Persons' Health Data 2016

 

I believe you know very little about Medicare -  discussing only Medicare Part A and Part B

Your mother's Medigap only pays the 20% which Medicare does NOT cover, all or a portion of the deductibles depending upon which plan she has purchased.

 

So let's look at the rest of her cost which her Medigap does NOT cover in Medicare.

 

1.  You did not count the years and years of payroll tax deductions which she and her employer paid for Medicare Part A - Part A is premium free IF a person is vested into the program by paying these payroll deducted cost.  If they are not fortunate enough to have done this, their buy-in to Medicare Part A is over $ 400 per month.

 

2.  You did not count the beneficiary Part B premium which she pays every month as a deduction from her SS benefit - currently at about $ 134 per month for all beneficiaries.  Now this represents ONLY the beneficiaries premium cost in Part B - of which will continue to go up unless something is done.  This beneficiary premium cost ONLY represent 25% of the Part B Program

 

3.  The remaining 75% of the cost of the Part B program comes from the TAXPAYERS from the General Fund - here again this is continuing to rise unless changes happen.

 

4.  If you are fortunate enough to be a high income senior beneficiary - that means currently bringing in over $ 85,000 in annual income, you will also be assessed an additional premium each month called the IRMMA (Income Related Medicare Monthly Adjustment)

Be fore-warned, this income IRMMA threshold is illusive and could go down to cover more people and bring more income into the Part B (and Part D) program.

 

So when you are making your comparison in cost between you and your Medicare eligible Mom - make sure you are comparing apples to apples.  Medicare.gov - Medicare 2018 Cost at a Glance


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 23 of 38

I am not sure you can say the group between 55 and 65 are in ill health. I can tell you that my mother who is 83 years old pays $216 per month for her supplemental insurance. In fact she recently received a letter from her supplemental health insurance telling her that her insurance will not go up. Yet she was hospitalized twice in two days and also a few weeks earlier. She see her regular doctor every 90 days, a kidney specialist every 90 days and now a cardiologist every 60 or 90 days. She had also broke her ankle a year and 1/2 ago so was hospitalized for that and sent to a rehab facility for two or 3 months. As a healthly 64 year old, I pay $700 per month yet only go to the doctor once or twice a year. It doesn't make sense to me that an elderly person, especially someone like my mother who is a fall risk (partially because of alcohol use) pays so much less. I really think that medical insurance just has to be regulated because it continually goes up more than the cost of living. I am glad I will soon be eligible for Medicare but am worried that Medicare will be seeing cuts now that the tax cuts for billionnaires passed and will add more than a trillion dollars to our naitonal debt when any savings should go towards paying down our huge debt, fighting homelessness, the opiod crisis and upgrading our aging infrastructure.

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Re: AARP and health insurance for members under age 65????

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Message 24 of 38

@m724960qwrote:
I couldn't have said it better ellenb640249. GaiL1, I DO NOT qualify for a subsidy, I am a stay at home caregiver & I have a pre-existing condition that keeps me from getting private insurance. For private insurance they put the pre-existing clause into it so it forces us to have to buy Obamacare. I called several of those so called brokers & one even hung up on me.

There are enough of us at the 50 - 64 age range that AARP could negotiate a better deal.

Obamacare did away with the pre-existing condition exclusion - it is against the law in most all health plans, on and off the exchange, unless the plan is one of the very few which was grandfathered in, to deny a person health care coverage because of a pre-existing conditions.

 

My reply to ellenb640249 below will explain many other points especially this point from my reply below:

If AARP only insured those who are 55-64 years old under some policy umbrella, there is the consideration that this is the age group that could be the sickest and the most costly. This is the group with the heart problems, the weight problems, the cholesterol problems, the muscular - skeleton problems, the bad back, the costly brand name drugs, the group that wants to be saved from many a difficult illness no matter the cost and on and on . . . . .   There would be NO Young and Healthy to balance out the risk factor, helping premiums to stay down.

 

:

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 25 of 38

@ellenb640249

I was self-employed, along with my husband, beginning in 1979 until I went on Medicare when I turned 65.  So I do know the price of individual plans, especially those of us who had to use that coverage because we did not have any benefits supplied by an employer.

 

All of our claims were paid as agreed under our individual plans.  In fact the insurer, when my husband became gravely ill in 2005, went above and beyond.  Our plan was great and we stuck with it through thick and thin - with our premiums being above $ 900 each when my husband died in 2006 (we were not 60 years old) - that's OVER $ 21,000 per year but the coverage was excellent..  He had terminal cancer - our wonderful policy at that time had a $500 deductible, then 80/20, a rider which added no copay or deductible if we went to (any) Emergency room for emergency care (we traveled alot), a drug plan with a $ 150 deductible and after that a $ 25 copay - and some of his oral cancer medication topped $ 4000 a month retail even in 2005.  They supplied everything we needed during his illness and at the end even to the point of helping my husband participate in our daughters wedding three weeks before he died with their supply of (usually over the limit) DME.  You are right, those type of policies are no more.

 

Obamacare changed everything in the individual marketplace with the non-exclusion of pre-existing conditions and coverage of all the EHB since many of those EHB pre-Obamacare were covered by rider issuance for those in the individual marketplace, and a new lower rating by age.

 

I am not a fan of Obamacare and can see exactly why premiums have risen extremely.  I can see exactly why some insurance companies have decided to leave specific geographical individual marketplaces.  But it is what it is - people who have EXTREME costly conditions can now get coverage with no questions asked.  No more denial of pre-existing conditions, no matter how sick or costly one might be.  And no more of the extreme rating by age.  The charging extra to smokers under Obamacare is not enforced in many (most) states.

 

So now we are paying hefty premiums for all of this, and healthy deductibles too just to help keep the premiums in check.  But it is NOT working for those who do not get a subsidy because they are feeling the total financial pinch of this increase - for those with a subsidy, the government is feeling the pinch in premiums, not the beneficiary.

CNN 10.15.2017 - Rising Obamacare premiums anger those paying full price

 

Within the Farm Bill that failed in the House last week was a provision to help to establish some type of Association type plans ( the topic) which many on the left think would erode the ACA, (HA, HA) like it is not already eroded - but the Farm Bill did not pass.

Kaiser Health News 05.08.2018 -How The Farm Bill Could Erode Part Of The ACA

 

States are now coming up with ideas to help improve the situation especially for those who get no subsidy.  These folks are also looking elsewhere for their coverage.  They are going to Medi-share plans, they are buying multiple non-sanctioned shortterm plans.  Many states are trying to reinvent the reinsurance program in such a way to subsidize those medical cost for the ones that are extremely sick and costly to insurance companies which in turn makes premiums escalate.  Other ideas are to foster those co-op ideas so that people can join together to get coverage.

 

You said:

Why would a plan with AARP cost less? Because they could combine all of us 55-64 yr. olds who are self-employed, care givers, or otherwise employed in situations where they do not receive insurance coverage, and negotiate a reasonable group rate with the insurance companies, which could be at least as good as a corporate rate. The insurance companies basically screw individuals.

 

That's what Obamacare insurers are doing now for all age groups- negotiating rate and coverage.  If AARP only insured those who are 55-64 years old under some policy umbrella, there is the consideration that this is the age group that could be the sickest and the most costly. This is the group with the heart problems, the weight problems, the cholesterol problems, the muscular - skeleton problems, the bad back, the costly brand name drugs, the group that wants to be saved from many a difficult illness no matter the cost and on and on . . . . .   There would be NO Young and Healthy to balance out the risk factor, helping premiums to stay down.

 

If you need health insurance and don't get a subsidy, check what other type plans are available in your state - check with your states office of insurance.  YES, it will be expensive because people oin the individual marketplace - on or off the Exchange -  have more to cover under the Essential Health Benefits by law and NO-One can be refused a policy for a pre-existing condition by law and because of that, the nature of insurance, those in individual marketplace plans - must SHARE in the cost of coverage.

 

There are still a few plans out there which have been grandfathered that don't have those laws applied to them but these plans can also deny insurance coverage.

STATNews 11.13.2017 This Tennessee insurer doesn’t play by Obamacare’s rules — and the GOP sees it a...

 

Insurance is an actuarial risk assessment - all types.  Health insurance, the way it is now, has a very high actuarial risk assessment - Insurance companies aren't screwing people - by law they have a set amount which they must payout in healthcare cost - you get a refund if they don't.  The actuarial risk factors are the place where the problem is.  This is just an example of one - there are many, many more very costly conditions.

USAToday 05.31.2017 - Iowa teen’s $1 million-per-month illness no longer a secret

 

It is partly the same problem which plagues Medicare and Social Security - we are living longer, we have very costly ways which can keep us alive - and we all have to pay for these benefits - so yes, something does have to be done.

 

 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 26 of 38
I couldn't have said it better ellenb640249. GaiL1, I DO NOT qualify for a subsidy, I am a stay at home caregiver & I have a pre-existing condition that keeps me from getting private insurance. For private insurance they put the pre-existing clause into it so it forces us to have to buy Obamacare. I called several of those so called brokers & one even hung up on me.

There are enough of us at the 50 - 64 age range that AARP could negotiate a better deal.
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Re: AARP and health insurance for members under age 65????

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Message 27 of 38

GailL1, I guess you must be employed by a corporation or on Medicare already. I am self employed, and very healthy (fit, no cancer history, non-smoker, etc.), but over the years, because I have needed things like hernia surgery and a hysterectomy, and have osteoarthritis, one after another of the private insurance companies has "discontinued" whatever plan I was on. They would not offer me another plan. This is how the insurance companies have gotten around serving our age group. Finally, in 2017, the last private company "discontinued" my health plan. I was clearly told that my only option was Obamacare. My Obamacare premiums are over $900/mo. with a $5600 deductible plus co-pays for everything, and I have nowhere else to go until I turn 65 and can hopefully join Medicare, if it's still there! Count it up -- that's $16,400 out of my pocket before the insurance company will pay for almost anything except my annual physical! Because I am 64, I did not want to risk being without heath insurance even though my self-employment income has decreased this year, so I'm using retirement money to pay for healthcare. Truly, it's criminal!

 

Why would a plan with AARP cost less? Because they could combine all of us 55-64 yr. olds who are self-employed, care givers, or otherwise employed in situations where they do not receive insurance coverage, and negotiate a reasonable group rate with the insurance companies, which could be at least as good as a corporate rate. The insurance companies basically screw individuals.

 

I hope this clarifies for you. Obviously, from the responses to my original post, I am not alone in feeling that AARP has abandoned us in this age group in terms of health care.  I hope someone from the AARP is listening out there!

 

 

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Re: AARP and health insurance for members under age 65????

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Message 28 of 38

@m724960q

 

I am confused by your post - 

 

Obamacare was created primarily to help those who needed coverage in the individual marketplace, perhaps had a pre-existing condition, and made between 138% - 400% of the Federal Poverty level.

 

If your family modified adjusted gross income (MAGI) is between 138% - 400% of the Federal Poverty level you would have you premiums subsidized by the government for plans offered on the Exchange.

 

Now if your family MAGI is more than 400% of the FPL, the Obamacare plans without a subside are gonna be high - but there maybe some alternatives for you - check with a health insurance broker in your area for plans now offered OFF the Exchange - there are more and more alternatives coming onboard for those outside the "subsidy" group.

 

Even if AARP had just a plan affiliated with some large insurer, why would you think premiums would be any cheaper?

 

 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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Re: AARP and health insurance for members under age 65????

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Message 29 of 38

I also fall into the catagory of over 50, but under 65. I am a 54 year old women who has had to give up her career in order to care for my disabled husband fulltime. The only health issue I have is a thyroid problem which is very much under control, other than that I am perfectly healthy, post-menpasual. I can't find private insurance because I have a pre-existing condition with the thyroid problem which a majority of people in the US have the exact same issue, so my only recourse is healthcare.gov, which is rediculously high.

 

For what I pay in premuims & as healthy as I am I would be better off to forgo the insurance. The only reason I don't is because if something did happen to me I don't get the discounts the insurance companies get & the hospitals would make me pay the full amount. Example: if I went to the emergency room & stayed just a few hours I would get charged approximately $20,000, plus doctors fees of about $400, plus any labs or x-rays guessing $300, plus anything else they decide to bill me for. The insurance company has discounts with these places & instead of $20,000, you only pay $3,000 for the ER hospital portion, but if I don't have insurance then the facility charges me the full $20,000 & will refuse any discount, that is rediculous as well. But since it is reaching the point where I'm paying $12,000 plus a year on health insurance & since I don't go to ER expect maybe once every 5 years then I would end up saving money in the long run to go without insurance.

 

I feel abandoned by AARP regarding this issue. They take my money to belong but do nothing to help those of use 50 - 64. In order for me to work I have to pay someone to watch my husband & at 54 I can no longer get a job that pays me more than I would have to pay out for his care because it must be done by a skilled person. I can't get decent health insurance any longer. I am one of the many abandoned. The young kids have a big mouth & cry "take care of us", the over 65 have earned their care, but those of us in that 15 year gap bear the brunt of this. We are paying more & more & more. AARP if you take money from those of us 50 & up you also need to fight for us. If I don't see some help soon then I don't see any reason to continue paying for a membership that does nothing to help me. I realize you're not an insurance company but you have people paying you for your help & your letting us down.

 

As stated before I am a fulltime caregiver, which the insurance companies, our government & quite frankly everyone expects from me as it is my husband who was in the accident & needs care. I love my husband & love being able to care for him, but I am losing out on health insurance & other benefits because of it. I joined AARP hoping they would help be an advocated for me as I don't have the time to be one because I am too busy caring for my husband. I feel you have taken my money & offered nothing to help me in return. I don't see myself paying to join again as you don't do anything to help me.

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Re: AARP and health insurance for members under age 65????

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Message 30 of 38

@jms505 wrote:

I am under 65 and AARP did have health insurance which they aborted when Obamcare was announced.  I protested then to say they need to keep it as other medical plans did stay in effect, at least until the dust setted.  Pres Obama allowed them to after protests of the public and failed online access.

Instead, AARP  just elimimated our group entirely causing those self insured over 50 members to go from $350 to over $600 at that time.  Now I am going from $750 to over $1200 with a $7000 deductible and very limited choices of doctors, no out of state at all meaning I cannot seek a specialist out of state if say I choose to go to Mayo Clinic and I live in Chicago.  It is so bad now that AARP with its strength in Wash needs to speak out.  Do a survey and see how many members are struggling.  This is huge.  AARP is the voice of over 50 and I would like to know what they are doing about this.  And they may suggest $5 copays for those on medicare to alleviate the cost.  This may make some think twice before overusing their benefits.  What is AARP doing to help us over 50 that are self employed? 


WOW, I never knew AARP had a health insurance plan for those less than 65.

In fact, I never knew AARP was an insurer at all since they only allow United Health Care to use their name and marketing ability to secure income from this arrangement.  United Health Care sells Medicare Advantage plans and Medicare Medigap policies bearing the AARP name for those who are on Medicare.  Those are the only ones which I am aware of ever being in existence.

 

What state was this less than 65 year olds eligible plan offered in and what was the name of it?  

 

If if there was such a plan, it did not have to stop - it only had to comply with the Obamacare requirements and write and sell these new policies.  Perhaps they saw the writing on the wall and decided not to take the plunge into Obamacare and just stick with senior policies like MA and Medigap  - NO (usual) loss there.

 

If you are not yet 65 and are healthy and are not getting a tax credit subsidy with an ACA plan, in several states there are non-compliant Obamacare plans still available.  Here's one in Tennessee:

 

STAT News 11/13/2017 - This Insurer Doesn't Play by the ACA Rules because of a Tennessee law.

 

I know those who are NOT getting a tax credit subsidy are feeling the total financial brunt of this mess - premiums have risen for everybody in the individual marketplace but those who get a tax credit subsidy are sheltered by the subsidy - the government is just paying more.

 

If I were in your situation, were healthy and not receiving a tax credit subsidy to lower the payments, I would personally look for other alternatives even if the penalty was assessed but there are lots of exceptions to the penalty.

 

 

 

 


* * * * It's Always Something . . . Roseanne Roseannadanna
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