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@papawofboo @IhvGasDoYou56 @SereneSeagull  So should we nationalize certain health care providers and facilities and force their work in these barren rural health care area?  Seems to be the only way that there is (kind of) adequate supply.  I guess ...
GailL1 01-12-2026 06:27 PM
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@HollyP772647 Well it is good that you can change your plan and/or your insurer because in most states, that is impossible unless one goes thru underwriting and then they can also increase your premiums to allow for any such preexisting or they can d...
GailL1 01-12-2026 01:25 PM
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@CaarlM936336 Regardless of the insurer, isn’t that par for the course?  Just as we are paying MORE for everything so are these LTC facilities so the cost goes up and the premiums go up to account for this higher cost.  
GailL1 01-12-2026 01:06 PM
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You are correct @IhvGasDoYou56 - but many times it is not the fault of the health insurer or even the government (i.e. Medicare or CMS).  Insurers have a very hard time coming up with networks in smaller areas and now that CMS is requiring them to cr...
GailL1 01-12-2026 12:54 PM
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@KathrynS231083 Sorry for the loss of your Mom - it sounds like she was the heartbeat of the family and the one that kept things going OK.  Did she not make any plans that you know about for you since you are disabled and for your Dad since he is ill...
GailL1 01-12-2026 12:19 PM
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@papawofboo @IhvGasDoYou56 @SereneSeagull  So should we nationalize certain health care providers and facilities and force their work in these barren rural health care area?  Seems to be the only way that there is (kind of) adequate supply.  I guess ...
GailL1 01-12-2026 06:27 PM
1
Reply
0
Kudos
165
Views
@HollyP772647 Well it is good that you can change your plan and/or your insurer because in most states, that is impossible unless one goes thru underwriting and then they can also increase your premiums to allow for any such preexisting or they can d...
GailL1 01-12-2026 01:25 PM
0
Replies
0
Kudos
291
Views
@CaarlM936336 Regardless of the insurer, isn’t that par for the course?  Just as we are paying MORE for everything so are these LTC facilities so the cost goes up and the premiums go up to account for this higher cost.  
GailL1 01-12-2026 01:06 PM
0
Replies
0
Kudos
71
Views
You are correct @IhvGasDoYou56 - but many times it is not the fault of the health insurer or even the government (i.e. Medicare or CMS).  Insurers have a very hard time coming up with networks in smaller areas and now that CMS is requiring them to cr...
GailL1 01-12-2026 12:54 PM
1
Reply
1
Kudo
228
Views
@KathrynS231083 Sorry for the loss of your Mom - it sounds like she was the heartbeat of the family and the one that kept things going OK.  Did she not make any plans that you know about for you since you are disabled and for your Dad since he is ill...
GailL1 01-12-2026 12:19 PM
1
Reply
2
Kudos
124
Views
@papawofboo @IhvGasDoYou56 @SereneSeagull  So should we nationalize certain health care providers and facilities and force their work in these barren rural health care area?  Seems to be the only way that there is (kind of) adequate supply.  I guess ...
GailL1 01-12-2026 06:27 PM
1
Reply
0
Kudos
165
Views
@HollyP772647 Well it is good that you can change your plan and/or your insurer because in most states, that is impossible unless one goes thru underwriting and then they can also increase your premiums to allow for any such preexisting or they can d...
GailL1 01-12-2026 01:25 PM
0
Replies
0
Kudos
291
Views
@CaarlM936336 Regardless of the insurer, isn’t that par for the course?  Just as we are paying MORE for everything so are these LTC facilities so the cost goes up and the premiums go up to account for this higher cost.  
GailL1 01-12-2026 01:06 PM
0
Replies
0
Kudos
71
Views
You are correct @IhvGasDoYou56 - but many times it is not the fault of the health insurer or even the government (i.e. Medicare or CMS).  Insurers have a very hard time coming up with networks in smaller areas and now that CMS is requiring them to cr...
GailL1 01-12-2026 12:54 PM
1
Reply
1
Kudo
228
Views
@KathrynS231083 Sorry for the loss of your Mom - it sounds like she was the heartbeat of the family and the one that kept things going OK.  Did she not make any plans that you know about for you since you are disabled and for your Dad since he is ill...
GailL1 01-12-2026 12:19 PM
1
Reply
2
Kudos
124
Views
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