<p>Tomorrow … There is going to be another insurance company in Calif that delays the cancellation of many policies for 3 months. Looks like Anthem or Kaiser.</p>
<p>Are they forcing doctors to take Medicaid? Because right now many docs around here flat out don’t take it and they are signing up a whole lot more people. Who will treat them all?</p>
<p>Re post 4042: Flossy, have you checked the cost for removal and/or insertion of an IUD recently?</p>
<p>Yes, Flossy… We are also going to be forced to eat fish.</p>
<p>^^well, if it’s wild salmon, I’m okay with that. Tilapia, forget it.</p>
<p>I will pass on the IUD and the fish. Thanks!</p>
<p>The fish is going to be called wild salmon… What it really is…is …</p>
<p>Romani, if you qualify for medicaid now but then your income goes up so that you don’t qualify any more, you will be able to buy an exchange plan no matter when that occurs. Loss of eligibility for your current insurance coverage is always a qualifying condition that lets you buy an exchange policy outside the open enrollment period.</p>
<p>Will there be an influx of new patients? Thehill.com and the WSJ are reporting that on the state’s websites 40,000 have signed up so far, much, much below projections. On healthcare.gov about 50,000 also far below projections. Oregon has the distinction of not signing up anybody. Oregon’s website is so bad that Oregon is taking only paper applications.</p>
<p>calmom, Medicaid for the poor is not available in my state until April though. This is my problem- and the problem of hundreds of thousands in my state and countless others in other states.</p>
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<p>See above. Even if I wanted to be on Medicaid, I’d be insurance-less for 3 months. I refuse to ever be without insurance again. Lack of insurance is why my routine gallbladder surgery went a year without being done and ended up costing my insurance and I far more than it needed to and was a much more complicated surgery than it needed to be. Never, ever again. Plus, I’ve already been on welfare and Medicaid- I’d prefer not to be on them anymore especially since I should only be paying ~$20-30/month for insurance with a subsidy (according to calculators).</p>
<p>Re #4058 – not sure where the $95 comes in… perhaps you are confusing the penalty with the clawback? If Person A estimates their income to be 100% of FPL and chooses to buy a subsidized plan, and then at the end of the year, A’s income turns out to be less than 100% of FPL, the law is that A. will be treated as if income was exactly 100% of FPL. No clawback. (It’s kind of obscure, but that’s what it is)</p>
<p>If actual income is anything above 100% FPL, then A. is eligible to buy on the exchange. (Medicaid eligibility cut off is 138%, but basically there is a gray area between 100-138% where the law allows for both). I can’t envision any scenario where a person earns less than their estimate and ends up owing any money (assuming that either Medicaid or an exchange policy is in place throughout, so no penalty issues).</p>
<p>OK, romani, then whenever you get through to the exchange, I’d suggest that you estimate that you will earn above FPL-- I think an estimate of $12K will be enough to qualify. You’re a college graduate – it’s reasonable to expect that you can earn that much in a year. (Of course if you actually anticipate earning more, than put that amount in – I am assuming that you are still a full time student, but perhaps can work part time during the school year and get a summer job). I don’t know of you can buy an exchange-eligible policy via BCBS directly – I think you need to go through healthcare.gov. Try the 800 number –> 1-800-318-2596 – it’s supposed to be available 24/7 so try calling in off hours (late night /very early morning) and you might get through without too much hold time. Here’s a link to the paper form –> <a href=“http://marketplace.cms.gov/getofficialresources/publications-and-articles/marketplace-application-for-family.pdf[/url]”>http://marketplace.cms.gov/getofficialresources/publications-and-articles/marketplace-application-for-family.pdf</a> – I’d advise filling out the form first, but try to complete the application on-line or by phone first, before actually mailing in the form. If that doesn’t work, make a copy for your records, put the paper app into an envelope and put a stamp on it.</p>
<p>Romani wrote:
Then it is very reasonable for you to estimate it anywhere between $12K and $20K, which qualifies you for a subsidy. That’s the whole point of making an estimate – you are supposed to make a good faith estimate.</p>
<p>calmom, I’m a graduate student (master, not PhD- not funded). During the school year, I make ~$100/week. I have to do an internship in the summer and I haven’t the slightest clue whether or not I’ll land a paid one. That is why my income is so variable. I will estimate at 12k because it isn’t going to be above that. </p>
<p>I filled out an app on the exchange in October. Have been waiting for them to verify my (and my fiance’s) identity for over a month. Yes, we called and did the verification over the phone, no, it didn’t actually work. </p>
<p>I need to talk to BCBS anyway because they are going to enroll me in a higher-priced plan unless I cancel it. I wanted to do it all at once but couldn’t because their system was down. That was Saturday. Like I said, they were supposed to call me back this morning… didn’t happen.</p>
<p>
What did you say your income was (or would be)?</p>
<p>I don’t remember. I think 10k. It doesn’t matter because I can’t submit it. They won’t let you submit until your identity is verified.</p>
<p>ETA: I just went and looked at my app. I have to redo it all again because I didn’t submit it. So I entered nothing according to the system.</p>
<p>“The fish is going to be called wild salmon… What it really is…is …”</p>
<p>All the answers that come to my mind are completely inappropriate for this forum. So I will refrain from filling in the blanks.</p>
<p>:)…</p>
<p>BC Implants. All the protection without the fishin’</p>
<p>I’m oh so confused. I must be old and out of touch. But please don’t explain, because I have my hands over my ears and I can’t hear you…</p>
<p>Funny how things change. I used to screen every possible things from my kids. Now when I come into the living room, they say, “Mom, you probably don’t want to listen to this,” and turn off the TV.</p>