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  1. #26
    Join Date
    Jul 2016
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    Peaking in Chads Window
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    673
    Quote Originally Posted by Buster Highmen View Post
    So, it's ACA time. I've postponed that until next year even thought this years income is way down.

    One things I've noticed is that it seems the more personified a topic gets, the more idiotic the discussion becomes.
    I need to look into ACA. My insurance just doubled and lost my subsidiaries

  2. #27
    Join Date
    Sep 2001
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    The Cone of Uncertainty
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    Quote Originally Posted by riser3 View Post
    English motherfucker, do you speak it?
    The drugstore in this town is called the Westport Apothecary.

    It's cute as a motherfucker. I guess that's the point? Not sure.

    If their point was to come up with a name that my wife can't say, they succeeded.

  3. #28
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    17,731
    Iceman, I just closed a home loan for a lady that owns a Health Insurance brokerage. I could PM you her phone number and you could call her and ask her what do do rather than asking a bunch of dentist.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  4. #29
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
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    49,344
    Yeah I was kinda hoping for an insider tip, thanks I'd appreciate that.

    Do me a favor and put your name in the PM so I don't sound like a lunatic when I contact her.

  5. #30
    Join Date
    Dec 2010
    Location
    Last Best City in the Last Best Place
    Posts
    5,960
    Quote Originally Posted by iceman View Post
    Well we'll have no (or practically no) outside income next year but this year's tax return will show a lot, do you know if that can be finessed somehow? If you don't know I can just call them I guess, so no worries.
    It doesn't matter what this year's income is because the ACA subsidies are based on what you predict your next year's income will be. This happened to me. I had a higher income, then it went down and I had to write a letter with a detailed explanation to the ACA telling them why my income was going down and doing my best to predict what it would be.

    There's a little more to it...when you register for the ACA coverage, you need to select the option about having a "life changing" event or something like that, i.e. job loss, decline in income for whatever reason. If you don't do that, they won't read your explanation letter and they'll keep sending you notices that you're not qualified (based on your previous year's income).

    Good luck with it. If you have no income next year, and you can convince them that's the case, you'll have some damn cheap health insurance for the time being.

  6. #31
    Join Date
    Dec 2005
    Location
    STL
    Posts
    12,082

    Health Insurance?

    Quote Originally Posted by iceman View Post
    We've always had insurance through my wife's job but the company is being broken up and sold off and our insurance is set to run out 12/31. We've never had to buy insurance before so I'm totally new to this. The wife's running a start-up but there really aren't any employees yet although that will probably change (will change if all goes as hoped).

    Who has a clue on this? Should we do Obamacare? (we wouldn't qualify for subsidies) Go straight to a private company? Do Blue Cross/Blue Shield? Set up a company policy despite the lack of employees? Steer me in the right direction please, I have basically no clue what I'm doing here. Which is pretty normal for me, but this is a whole brand-new area of incompetence.

    Thanks.
    All individual plans are ACA plans/Obamacare, don't let that fool you. You don't need to go through the exchange you can call the carrier direct. It's too early to tell what will be available in your state next year, but I would start by calling your doctors and finding out what they take right now. Blue Cross, United healthcare etc. then in early dec. call up the appropriate carrier and just get silver plans.

    Don't think too hard about it all. It's quite simple, but check your providers take your plan and that your drugs are on the formulary. And then learn to use your plan. Meaning, go to the preferred pharmacy, and providers. These are the #1 mistakes I see people make, and then bitch about.

  7. #32
    Join Date
    Nov 2007
    Location
    Eburg
    Posts
    13,238
    Quote Originally Posted by Cono Este View Post
    All individual plans are ACA plans/Obamacare
    Not quite true. As a general rule, HC insurance plans are required to be ACA-compliant, but there are exceptions, e.g., short-term plans (i.e., <1 year) need not be ACA-compliant

  8. #33
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
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    Quote Originally Posted by DIYSteve View Post
    Not true
    That didn't seem true from my research. Certainly there's plenty of companies that are willing to sell you a policy directly.

  9. #34
    Join Date
    Oct 2003
    Location
    Looking down
    Posts
    50,502
    Turn 65.

    Seriously, if you're a more, ahem, mature gentlemen, check out what AARP has to offer. Just call them, can't hurt.

  10. #35
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
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    49,344
    Yeah I got a few years left before that but thanks.

  11. #36
    Join Date
    Nov 2007
    Location
    Eburg
    Posts
    13,238
    Quote Originally Posted by iceman View Post
    That didn't seem true from my research.
    From https://www.ehealthinsurance.com/sho...alth-insurance:

    Short-term plans are temporary coverage with limited benefits. They are not ACA-compliant, don’t cover pre-existing conditions and are not guaranteed-issue.
    (emphasis supplied)

  12. #37
    Join Date
    Apr 2006
    Posts
    4,453
    Quote Originally Posted by riser3 View Post
    English motherfucker, do you speak it?
    i am somewhat english, yates is a surname for gatekeeper.

    i'd appreciate it, if you would not insult my mothers profession,

    and the four generations behind her.

    thank you.

  13. #38
    Join Date
    Apr 2006
    Posts
    4,453
    ice, did you really just post a link of your wife and daughter mixing expensive feel good stuff?

    this place must be in hell

  14. #39
    Join Date
    Dec 2009
    Location
    The Mayonnaisium
    Posts
    9,880
    Quote Originally Posted by iceman View Post
    Are you still in Boston? Looks like we're moving to Westport if we don't get divorced or someone gets murdered first. I think the company will work it's probably about a year early for a person of your caliber right now though.

    Here's their site, it's only been up for a week or so, there's issues but they will get fixed: 2betties.com
    Catchy name. Grabbed a sampler.

    I know you're stoked about Westport sans homicide. Currently south of the Mason-Dixon but there is talk of heading back to the Hub pretty soon.

  15. #40
    Join Date
    Sep 2001
    Location
    Before
    Posts
    26,594
    Quote Originally Posted by Cono Este View Post
    Don't think too hard about it all...check your providers take your plan and that your drugs are on the formulary.
    I'm fucked.
    Merde De Glace On the Freak When Ski
    >>>200 cm Black Bamboo Sidewalled DPS Lotus 120 : Best Skis Ever <<<

  16. #41
    Join Date
    Nov 2015
    Posts
    5,388
    No Pony for you?

  17. #42
    Join Date
    Apr 2004
    Location
    cordova,AK
    Posts
    3,399
    Quote Originally Posted by 4matic View Post
    I know people that do this. I will use the loophole myself.

    https://www.cnbc.com/2016/01/27/they...subsidies.html
    I anguished for a long time and went this route. My Bronze plan was $1400 a month I pay $2.65. That makes me smart.
    I have a SEP , Roth and traditional IRA and am supposed to open up a 401 this year. I hope my finance guy is correct.. I am not an expert but I would be very careful about lapsing coverage if you may have a pre existing condition. Good luck the whole thing sucks.
    off your knees Louie

  18. #43
    Join Date
    Dec 2005
    Location
    STL
    Posts
    12,082

    Health Insurance?

    Quote Originally Posted by iceman View Post
    That didn't seem true from my research. Certainly there's plenty of companies that are willing to sell you a policy directly.
    You only must use the exchange is you qualify for a subsidy. I sell Obamacare plans to people, but usually they qualify for a subsidy so I do the righteous thing and set up an online acct for them. I get jack shit a way so I'd prefer not to attach my name to plans that generally confuse people anyway.

    Steve is talking about short term plans or major medical policies, neither you want. You can call Assurant and get that if you want.

    The key is in your meds. If you have anything but preferred generics then a bronze plan will leave you high dry on brands, and that's why inreccomend people pay more for a silver. On a silver you will have a copay for brands vs. 100% out of pocket.

    Find out what your docs take, then call up the carrier and ask for a formulary to be emailed to you to check yourself. People on the phone are sales oriented idiots. Do you own homework.

  19. #44
    Join Date
    Oct 2005
    Location
    Idaho
    Posts
    10,614
    A small business plan is the way to go. If your wife's start up will have an employee plus owners you should look into that. Every state has different regs. I'd be happy to chat but it would be generalities but I could at least give you the right questions and answers if you end up pursing s a business plan with a broker local to you.

  20. #45
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
    Posts
    49,344
    Thanks Cono. Give me a couple days, just getting started here.

  21. #46
    Join Date
    Dec 2005
    Location
    STL
    Posts
    12,082
    Another key is to use doctors and facilities attached to a major hospital. Do not use a doctor out on his own sending you to quest diagnostics etc. hospitals have contract rates with insurance companies and you will save a shit load using everything in house.

    So much is negotiated under the table it's hard to figure out. I have the worst plan in Missouri, have been to the doct about 10 times this summer, had all kinds of tests, and although my plan reads that I owe it all until my deductible is met, I've owed like 5% because on contract discounts between the hospital and Cigna. I couldn't be any happier.

    It's all about knowing how to use your plan.

  22. #47
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
    Posts
    49,344
    Quote Originally Posted by yeahman View Post
    It doesn't matter what this year's income is because the ACA subsidies are based on what you predict your next year's income will be. This happened to me. I had a higher income, then it went down and I had to write a letter with a detailed explanation to the ACA telling them why my income was going down and doing my best to predict what it would be.

    There's a little more to it...when you register for the ACA coverage, you need to select the option about having a "life changing" event or something like that, i.e. job loss, decline in income for whatever reason. If you don't do that, they won't read your explanation letter and they'll keep sending you notices that you're not qualified (based on your previous year's income).

    Good luck with it. If you have no income next year, and you can convince them that's the case, you'll have some damn cheap health insurance for the time being.
    Good info, thanks.

  23. #48
    Join Date
    Jan 2015
    Posts
    1,989
    If you're going to fall even moderately under par on income during the coverage period, ACA is going to be the way to go. Estimate your numbers and pay based on that; if you turn out to have estimated wrong (in either direction) there will be appropriate adjustments when you file taxes (yes, using ACA means there's an additional tax form to deal with). I'm not sure how competitive ACA plans are with stuff you'd get through a broker, if subsidies aren't an issue.

    In terms of when to do it, open enrollment is coming up, but that doesn't matter to you if you're losing other coverage for some reason; that's all explained when you look into the ACA stuff.

    No reason not to find out what your COBRA option is, but again, if you're going to be down some on income next year, there's a good chance that you can get subsidized ACA, and in that case, that's the way to go.

  24. #49
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
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    49,344
    Quote Originally Posted by byates1 View Post
    ice, did you really just post a link of your wife and daughter mixing expensive feel good stuff?

    this place must be in hell
    Yup. And yup. Hey I figure it's out there in the world, and you freaks aren't much worse than most other freaks, so why not?

    Thanks a lot for all the good info fellaz.

  25. #50
    Join Date
    Sep 2001
    Location
    The Cone of Uncertainty
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    Quote Originally Posted by Mazderati View Post
    Catchy name.
    ha, yeah the name's my main contribution to the effort so far.
    Last edited by iceman; 10-01-2017 at 09:46 AM.

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