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Old 10-05-2013, 05:17 PM   #461
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I just logged into ehealthinsurance.com, and it apparently does not know that in Pa one needs only $11,490 annual income to qualify for an exchange plan and subsidy, since Pa is not expanding medicaid (at this point, though it could change!)

I had to enter $15,400 or higher income in ehealthinsurance.com to get it to say I qualified for the exchange and for a subsidy.

This is in contrast to healthcare.gov, which tells me I only need $11,490 for an exchange plan and subsidy (not medicaid) and also tells me I will not qualify for medicaid anyway, no matter what my income is, due to my resources. I trust healthcare.gov more than ehealthinsurance, to be correct.

If one searches the internet, one sees that Pa is "still deciding" if and how it will "expand medicaid". OMG..............


I will have to be cashing in x or y amount of IRA money to increase my income above $11,490 or $15,400, whichever number they decide upon.
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Old 10-05-2013, 06:34 PM   #462
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Not sure about that. I think the cutoff for medicaid is 133% of FPL, then another code requirement adds another 5% ( total 138% ) ACA Note: When 133 Equals 138 - FPL Calculations in the Affordable Care Act | State Health Access Data Assistance Center

Both the Kaiser and Berkeley calculators return these amounts
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Old 10-06-2013, 01:26 PM   #463
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If its this hard giving the insurers money, I can't imagine how difficult it's going to be to get them to pay a claim.
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Old 10-06-2013, 04:20 PM   #464
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Here's another site that seems to use the same info as the Excel spreadsheet page posted earlier, but in an easier to view format.

Obamacare Info For Your State & Zip Code The zip code input didn't work for me, I used my state, then scrolled down to find my county.

Then scroll down a little to How Much Does Obamacare cost in (my state).

Scroll down to Click here for an overview of providers and rates in (my state)

On the next page click your age and it will show you the lowest cost for each metal plan and then below that is a list of plans sorted by provider and metal level.

Using the name of a plan I was interested in I could google it and get the specifics on the co-pay, deductible and some coverage info.

I thought this may be helpful to others who still can't get specific plan info. To me the layout of the plans is easier than the page linked earlier.
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Old 10-06-2013, 05:08 PM   #465
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I notice what may be a minor glitch in the data, looking at the spreadsheet, kaiser calculator, valuepenquin and legalconsumer that may impact the subsidy calculation.

Each state is divided into rating areas, with counties assigned to an area. It appears that two counties in the same rating area may not have the same plans offered. The subsidy is calculated using the costs of the second lowest silver plan. It seems the websites are using the second lowest silver plan in the rating area which may not be the 2nd lowest silver plan available to you. That may make a difference in calculating the subsidy. For me it's about $1K difference using the 2nd lowest silver plan available to me vs the one in the rating area.
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Old 10-06-2013, 05:58 PM   #466
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Interesting ! If I ever get into the system I will be sure to check what my second lowest silver plan costs .
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Old 10-08-2013, 07:41 PM   #467
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Thanks for posting the link to Healthcare.gov plan info.

Interestingly- It appears that all but 1 of Marketplace Plans in my region are HMO's. The only POS Plan is a low-end Bronze which, according to local paper, has just 1 of the area's major hospitals in its network.
So much for "You can keep your own doctor"
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Old 10-09-2013, 08:41 AM   #468
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Same boat here but when checking doctors I find my doctor is listed among the participating doctors. Sagamore Health Systems network which is my current PPO program network.
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Old 10-09-2013, 08:50 AM   #469
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Interesting ! If I ever get into the system I will be sure to check what my second lowest silver plan costs .
You should be able to check that info through a "back door" here:

https://www.healthcare.gov/health-plan-information/
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Old 10-09-2013, 11:22 AM   #470
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You should be able to check that info through a "back door" here:

https://www.healthcare.gov/health-plan-information/
But keep in mind you will not get full details on specific Plans. There can be some important differences among Silver Plans (e.g. provider networks, deductibles/OOP max below ACA limits, out-of-network coverage, etc.).
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Old 10-10-2013, 07:56 PM   #471
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Window shop for plans on Healthcare.gov without having to fill out an application.

https://www.healthcare.gov/find-premium-estimates/

I also posted this on the ACA sign-up topic but thought it might be helpful here. This is new, just saw it posted on twitter by a Washington Post health policy reporter, https://twitter.com/sarahkliff
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Old 10-10-2013, 08:53 PM   #472
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Window shop for plans on Healthcare.gov without having to fill out an application.

https://www.healthcare.gov/find-premium-estimates/

I also posted this on the ACA sign-up topic but thought it might be helpful here. This is new, just saw it posted on twitter by a Washington Post health policy reporter, https://twitter.com/sarahkliff
Not only does this 'window shopping' option not estimate the subsidies or cost sharing that may be available but it didn't even ask for the ages of those in my household. How accurate can this be?

At first glance it seems to be a way to temporarily appease rather than to give information that a person can actually use to make an informed shopping choice. If this were a commercial site the government would be investigating them for false advertisement.

As you can tell I'm not in a terribly good mood at the moment.
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Old 10-10-2013, 09:13 PM   #473
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Window shop for plans on Healthcare.gov without having to fill out an application.

https://www.healthcare.gov/find-premium-estimates/
Not really.

This is a fairly useless estimator which neither requests nor specifies the age for which the example premiums apply. And important details for each sample Plan (e.g. OOP max, networks, etc.) are NOT provided.
In fact on 2nd slide of this estimator it states-
"Final price quotes are available only after someone has completed a Marketplace application."
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Old 10-11-2013, 09:40 AM   #474
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Not only does this 'window shopping' option not estimate the subsidies or cost sharing that may be available but it didn't even ask for the ages of those in my household. How accurate can this be?

At first glance it seems to be a way to temporarily appease rather than to give information that a person can actually use to make an informed shopping choice. If this were a commercial site the government would be investigating them for false advertisement.

As you can tell I'm not in a terribly good mood at the moment.
The option for insurance for "Only You" gets you a drop down box for 49 and under or 50 and older. Not much help but it's more info than they offered before.

I don't blame you for being moody over this. I have been dealing with all these unknowns and a 10-31-13 time limit for our only other option of health care insurance (DH's very expensive retiree plan) by myself since DH has no interest or desire to know about these things.

So yesterday I asked him if I could have 20 minutes of his time to explain what I've learned and where we stand and what the issues are. Things like insurance options, spreadsheets, costs and impact to our monthly expenses make him uncomfortable and itchy so I need to keep it all direct and compact. He sat through the whole explanation and understood where we're at and why I'm antsy about it. We still can't DO anything until HealthCare.gov gets it's act together but he agreed with my approach and the contingency plan.

I felt better just sharing it with him rather than having the entire burden on my mind.
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Old 10-11-2013, 09:56 AM   #475
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The healthcare.gov back door for my county in Florida shows an HMO from coventry one as the least expensive silver plan. I went to the coventry one website to see if my doctor was in their plan. When I looked at the map of where coventry one provides coverage in Florida, my county (Volusia) is shown as no coverage. There are no docs within 50 miles of me. If this is the info being used to calculate subsidies, it will be inaccurate. I guess I'll cross that bridge once I am able to login.
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Old 10-11-2013, 09:56 AM   #476
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The option for insurance for "Only You" gets you a drop down box for 49 and under or 50 and older. Not much help but it's more info than they offered before.

I don't blame you for being moody over this. I have been dealing with all these unknowns and a 10-31-13 time limit for our only other option of health care insurance (DH's very expensive retiree plan) by myself since DH has no interest or desire to know about these things.

So yesterday I asked him if I could have 20 minutes of his time to explain what I've learned and where we stand and what the issues are. Things like insurance options, spreadsheets, costs and impact to our monthly expenses make him uncomfortable and itchy so I need to keep it all direct and compact. He sat through the whole explanation and understood where we're at and why I'm antsy about it. We still can't DO anything until HealthCare.gov gets it's act together but he agreed with my approach and the contingency plan.

I felt better just sharing it with him rather than having the entire burden on my mind.
Not only that, but it gives you "catastrophic plan" quotes for 50 year olds..what the heck is that about? They are not even allowed to be bought except for the under 30 crowd. Come on government, you can surely do better than that!
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Old 10-11-2013, 10:02 AM   #477
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Not only that, but it gives you "catastrophic plan" quotes for 50 year olds..what the heck is that about? They are not even allowed to be bought except for the under 30 crowd. Come on government, you can surely do better than that!
The catastrophic plans are available for people over 30 under some conditions, https://www.healthcare.gov/can-i-buy...strophic-plan/
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Old 10-11-2013, 10:08 AM   #478
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The catastrophic plans are available for people over 30 under some conditions, https://www.healthcare.gov/can-i-buy...strophic-plan/
Thanks Rbmrtn, I did not know that...and I wish I didn't to be honest with you and that is just another kick in my groin. Why can't I have one of those, that is what I want. Oh wait, I know why because the government thinks I need prenatal care and drug rehab instead of a policy that suites my personal needs...
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Old 10-11-2013, 12:04 PM   #479
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Thanks Rbmrtn, I did not know that...and I wish I didn't to be honest with you and that is just another kick in my groin. Why can't I have one of those, that is what I want. Oh wait, I know why because the government thinks I need prenatal care and drug rehab instead of a policy that suites my personal needs...
I think the catastrophic plans must provide "minimum essential coverage" ie, prenatal care and drug rehab. In my case, they still cost "double" what I pay now for coverage that more suits me.
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Old 10-11-2013, 12:24 PM   #480
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I think the catastrophic plans must provide "minimum essential coverage" ie, prenatal care and drug rehab. In my case, they still cost "double" what I pay now for coverage that more suits me.
I feel your pain. I'm going to pay triple once I lose my plan next year.
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