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Regular Contributor

Healthcare insurance

I need help getting through this enrolling into an affordable insurance. This open enrollment marketplace is very harding and difficult. I signed on to enroll and get a plan and all I'm getting are people calling me trying to make me sign into their plan. I did that and I got burned so I'm kind of leery about this now. If someone can help me I would greatly appreciate it.

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Newbie

I never said SS or Medicare were savings accounts, for if they were you could will them to your family (they can in Australia). To us are just a deal. You pay in to get your share (legal sense) out when you met the requirements of living past a certain age. When you die its gone. It is an entitlement, a contract with the government. If you pay in your entitled to it. Free healthcare insurance is a handout.

 

community.aarp  write my essay today

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Honored Social Butterfly


@LeoH117108 wrote:

I never said SS or Medicare were savings accounts, for if they were you could will them to your family (they can in Australia). To us are just a deal. You pay in to get your share (legal sense) out when you met the requirements of living past a certain age. When you die its gone. It is an entitlement, a contract with the government .

 


I'm not sure who you are responding to in this thread but as to your above comment - You are forgetting that there are survivor benefits connected to Social Security.  So, in essence, "when you die, it may live on, and on, and on . . . . . paid to the surviving spouse - sometimes even paid to surviving parents or to dependents until they are 18 or to a dependent for the longterm if they are disabled.

 

The same is true of Medicare, in a way, a spouse who has never worked and nor paid into Medicare on their own record is applicable for Medicare at 65 based on the record of the working spouse or even deceased spouse if they were vested in Medicare before their death - think they have to be married for a certain number of years before applicable.

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Silver Conversationalist

I totally understand the situation of being inundated with calls, mail, even personal visits at the front door from salespeople wanting to sell me insurance.

 

I got a lot of this when I turned 65 and was eligible for Medicare. I guess the vultures could see my birthdate.

 

Last year, 2018, we had to get health insurance for my wife who is 55. I dealt mainly/strictly with the official Federal government site, www.healthcare.gov, and we never get any sales pitches from insurance companies.

 

I suspect that people open themselves up to hard sell by inquiring at other sites, insurance pools, etc. My advice... check out only the "gov" site. You can preview available plans at https://www.healthcare.gov/see-plans/. You can see all the ACA plans available to you without giving out your private information.

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Conversationalist

You won't get calls, etc from "pesky" insurance agents or carrier when you go through hc.gov but you can count on getting solicitations from the HO reps once you have bought your plan.

 

The folks that man hc.gov have limited training and experience. Their knowledge of Obamacare plans reflects the minimal training they received once they were hired. The person you talk to today will never be the one you talk to when you have a problem or question.

 

Most of the "vulture" insurance agents left the under 65 market in 2014 when carriers stopped paying a commission.

 

Likewise, most of the carriers exited the market about the same time leaving few choices.

 

Certainly did not live up to the sales pitch from the 44th prez.

 

Depending on your state, in 2013 there were probably 15 - 20 carriers or more willing to write business. Now there are fewer than 3 and in many areas, only one carrier.

 

 


Bark less. Wag more.
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Thanks Mark for your suggestion, but my problem has been resolved.

Honored Social Butterfly

@msNessa59

Since you said you were on SSI -

 

From the Social Security Administration:

 

SSA.gov - Understanding Supplemental SecuritynIncome (SSI) and How it Works with other Government Pr...

 

From the link -

 

SUPPLEMENTAL SECURITY INCOME (SSI) AND ELIGIBILITY FOR OTHER GOVERNMENT AND STATE PROGRAMS


Many people who are potentially eligible for SSI benefits do not know how receiving SSI affects their benefits or payments from other government and State programs.

MEDICAID

In most states, if you are an SSI beneficiary, you may be automatically eligible for Medicaid; an SSI application is also an application for Medicaid. In other states, you must apply for and establish your eligibility for Medicaid with another agency. In these states, we will direct you to the office where you can apply for Medicaid.

 

more info at the link -

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Social Butterfly

I urge you to contact your local AARP office, whether in person or by phone.

 

They have access to state regulations and expertise, and if necessary, can connect you with reputible experts.

 

Good luck, Ms Nessa,

 

#VegasStrong

 

 


#VegasStrong
Phil Harris, actor and showman, to John Fogerty of CCR: “If I’d known I’d live this long, I’d have taken better care of myself.”
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Honored Social Butterfly

How old are you ?  

65 years old  - Medicare

 

Less than 65 - depends

Have you been on Social Security Disability for 24 months?

if so, you are Medicare eligible.

 

If not, and you are less than 65, meet citizenship or immigration status, you can enroll in an ACA plan by going to Healthcare.gov - 2018 Health Coverage Insurance Marketplace  - if your state has its own ACA marketplace exchange, Healthcare.gov will direct you to it.  The rest of the states use Healthcare.gov as their ACA marketplace exchange.

 

Follow it all the way through - if you need more help - contact your state's office of insurance.

 

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Hi Social Butterfly, thanks for the infromation about the healthcare enrollment, I don't qualfiy for Medicare because i'm not 65, I'm on SSI because I didn't qualfiy for Disable at that time, so I enrolled into a insurance program and I got burned. Now I'm trying to find a new plan, but since I went online to search all I'm getting is a lot of people calling me trying to force me to enroll into their plans. I don't like being pressured into anything. I just need some guiduance on navigating this mess and getting a good plan that will cover my needs as a person with pre-existing conditions who sometimes needs to see specialists that help monitor my Diabetes? Our Government sucks for putting us in this position and we worked hard to get these benefits.

Honored Social Butterfly

If your income is low enough to get SSI then you might as well enroll in Medicaid.  The (2) programs - SSI and Medicaid - usually go hand in hand.

 

Check with your state's Dept of Social services.  Tell them you are already on SSI.

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